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First Federal Savings and Loan Bank

Olathe, KS · Cert 28635 · First Fed of Olathe Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings and Loan Bank

Olathe, KS · Cert 28635 · First Fed of Olathe Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$109.5MAssets
$86.7MLoans
$91.8MDeposits
$13.4MEquity
Loan mix
99%RE $87.7M1%C&I $0.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $90.4M2%Noninterest $1.4MQ2 2025Q2 2026

NIM

7.91%Q2 ’247.88%Q2 ’258.01%Q2 ’26-6%+6%

Non-interest income vs. expense

0.94%Q2 ’240.95%Q2 ’251.32%Q2 ’26-26%+87%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #73 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 2.69%, down 33 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 1.28% of loans (-47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.27%, up 94 bps from a year ago.
  • Funding: loans stand at 94.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.69%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.74%+27 bps YoY

Efficiency Ratio (YTD, annualized)

27.75%+772 bps YoY

Tier 1 Leverage Ratio

12.27%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.02%2.90%2.79%2.81%2.69%-33 bps
Return on Equity26.05%24.90%23.76%23.06%22.08%-396 bps
Net Interest Margin4.47%4.43%4.65%4.57%4.74%+27 bps
Efficiency Ratio20.04%21.61%24.25%22.26%27.75%+772 bps
Non-Interest Burden0.69%0.81%1.01%1.00%1.30%+61 bps
Growth
Asset Growth (YoY)5.08%1.59%-4.43%-6.87%-6.00%-1,108 bps
Loan Growth (YoY)-2.72%-3.25%-8.40%-9.57%-7.01%-429 bps
Deposit Growth (YoY)8.16%2.58%-4.55%-7.36%-6.62%-1,478 bps
Asset Quality
Nonperforming Loans / Loans1.75%1.74%1.80%1.28%1.28%-47 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.09%1.11%1.15%1.17%+8 bps
Allowance Coverage of NPLs0.6x0.6x0.6x0.9x0.9x+0.3x
Capital
Tier 1 Leverage Ratio11.32%11.38%11.95%12.22%12.27%+94 bps
Total Risk-Based Capital11.32%11.38%11.95%12.22%12.27%+94 bps
Equity / Assets11.48%11.80%12.18%12.21%12.21%+73 bps
Liquidity & Funding
Loans / Deposits94.91%98.26%99.87%96.54%94.51%-40 bps
Liquid Assets / Assets2.64%7.03%6.86%7.62%7.49%+485 bps
CRE / Total Capitaln/a47.28%41.53%42.71%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings and Loan Bank

Olathe, KS · Cert 28635 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · First Fed of Olathe Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$109.5MAssets
$86.7MLoans
$91.8MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 1 of 40).
  • Widest gap: nonperforming loans / loans trails 77% of banks under $1B in assets in the Kansas City, MO-KS area (rank 31 of 39).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.69%

Rank 3 of 40

Net Interest Margin

4.74%

Rank 6 of 40

Efficiency Ratio

27.75%

Rank 1 of 40

Equity / Assets

12.21%

Rank 11 of 40

Non-interest income vs. expense

$0.0M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 100% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 27.75%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.69%1.02%1.39%1.86%Beats 93%3 / 40
Return on Equity22.05%10.74%14.78%21.32%Beats 80%8 / 40
Net Interest Margin4.74%3.33%4.05%4.63%Beats 85%6 / 40
Efficiency Ratio27.75%51.70%58.10%69.29%Beats 100%1 / 40
Asset Quality
Nonperforming Loans / Loans1.28%0.05%0.20%1.11%Beats 23%31 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio12.27%11.32%12.27%16.94%Beats 50%20 / 40
Total Risk-Based Capital Ratio12.27%11.32%13.09%17.63%Beats 38%25 / 40
Equity / Assets12.21%8.41%10.10%12.34%Beats 73%11 / 40
Liquidity & Funding
Loans / Deposits94.51%73.50%85.60%94.85%70th pctl12 / 40
Loans / Assets79.23%62.75%69.87%79.23%75th pctl10 / 40
Brokered Deposits / Depositsn/aNot reported for this institution