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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

$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

8.14%Q2 ’247.75%Q2 ’258.11%Q2 ’26-12%+12%

Non-interest income vs. expense

1.01%Q2 ’241.00%Q2 ’251.62%Q2 ’26-1%+60%

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 2.57%, down 10 bps year over year; NIM at 4.89%.
  • 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 (quarter, annualized)

2.57%-10 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+52 bps YoY

Efficiency Ratio (quarter, annualized)

32.91%+1,006 bps YoY

Tier 1 Leverage Ratio

12.27%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.67%2.64%2.40%2.81%2.57%-10 bps
Return on Equity23.21%22.65%19.99%23.06%21.09%-212 bps
Net Interest Margin4.37%4.31%4.52%4.57%4.89%+52 bps
Efficiency Ratio22.85%25.04%32.80%22.26%32.91%+1,006 bps
Non-Interest Burden1.00%1.03%1.48%1.00%1.59%+59 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