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Letter portraitLegal landscapeQuarterYTD

Central Federal Savings and Loan Association

Cicero, IL · Cert 28425

State savings bank · OCC · 3 branches

Q2 2026

$194.6MAssets
$138.3MLoans
$171.6MDeposits
$19.0MEquity
Loan mix
100%RE $137.3M0%C&I $0.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $156.6M9%Noninterest $15.1MQ2 2025Q2 2026

NIM

4.31%Q2 ’244.34%Q2 ’254.41%Q2 ’260%+11%

Non-interest income vs. expense

2.47%Q2 ’242.59%Q2 ’252.76%Q2 ’26+5%+0%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #102 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.06%, up 17 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.65% of loans (-15 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.32%, up 15 bps from a year ago.
  • Funding: loans stand at 80.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.06%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+25 bps YoY

Efficiency Ratio (YTD, annualized)

97.68%-969 bps YoY

Tier 1 Leverage Ratio

10.32%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.06%-0.03%-0.05%0.06%+17 bps
Return on Equity-1.21%-0.64%-0.29%-0.55%0.60%+181 bps
Net Interest Margin2.35%2.43%2.50%2.58%2.60%+25 bps
Efficiency Ratio107.37%104.03%102.16%103.17%97.68%-969 bps
Non-Interest Burden2.53%2.53%2.56%2.67%2.54%+1 bps
Growth
Asset Growth (YoY)-0.06%-0.20%-0.60%-0.52%-1.22%-115 bps
Loan Growth (YoY)3.40%3.89%7.83%3.93%3.34%-6 bps
Deposit Growth (YoY)1.65%3.45%2.18%2.42%1.52%-13 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.76%0.68%0.67%0.65%-15 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%-0.01%0 bps
Allowance / Loans1.11%1.08%1.07%1.09%1.09%-3 bps
Allowance Coverage of NPLs1.4x1.4x1.6x1.6x1.7x+0.3x
Capital
Tier 1 Leverage Ratio10.17%10.21%10.32%10.31%10.32%+15 bps
Total Risk-Based Capital10.17%10.21%10.32%10.31%10.32%+15 bps
Equity / Assets9.42%9.79%9.81%9.84%9.78%+37 bps
Liquidity & Funding
Loans / Deposits79.18%82.12%81.92%80.91%80.59%+142 bps
Liquid Assets / Assets11.94%7.91%8.91%9.99%10.87%-107 bps
CRE / Total Capitaln/a56.25%58.33%57.12%n/an/a