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First Federal Savings and Loan Association of Greene County

Waynesburg, PA · Cert 28706

State savings bank · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

11

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 Association of Greene County

Waynesburg, PA · Cert 28706

State savings bank · OCC · 7 branches

Q2 2026

$1.0BAssets
$726.6MLoans
$871.8MDeposits
$154.7MEquity
Loan mix
100%RE $703.6M0%C&I $0.0M0%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $829.0M5%Noninterest $42.8MQ2 2025Q2 2026

NIM

3.77%Q2 ’243.81%Q2 ’253.90%Q2 ’26+11%+8%

Non-interest income vs. expense

1.97%Q2 ’242.29%Q2 ’252.19%Q2 ’26+17%-5%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.2% share · #24 of 48 inst. · $0.4B of $209.3B

33.2% Greene
9.5% Fayette
1.9% Washington

Executive Summary

  • Earnings: ROA of 0.49%, up 15 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.54% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.37%, down 2 bps from a year ago.
  • Funding: loans stand at 83.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+19 bps YoY

Efficiency Ratio (YTD, annualized)

78.17%-972 bps YoY

Tier 1 Leverage Ratio

15.37%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.32%0.30%0.47%0.49%+15 bps
Return on Equity2.27%2.16%2.00%3.15%3.25%+97 bps
Net Interest Margin2.40%2.46%2.49%2.54%2.60%+19 bps
Efficiency Ratio87.89%86.68%86.26%77.32%78.17%-972 bps
Non-Interest Burden2.09%2.10%2.12%1.91%1.98%-10 bps
Growth
Asset Growth (YoY)-2.21%-3.31%-0.67%2.63%1.85%+405 bps
Loan Growth (YoY)2.33%3.68%4.38%4.80%7.06%+473 bps
Deposit Growth (YoY)-3.24%-4.25%-1.55%2.50%1.67%+492 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.63%0.69%0.62%0.54%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.21%0.22%0.26%0.25%0.25%+5 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio15.38%15.52%15.70%15.49%15.37%-2 bps
Total Risk-Based Capital33.35%32.78%32.48%32.21%32.08%-127 bps
Equity / Assets14.83%15.19%15.15%14.77%14.99%+15 bps
Liquidity & Funding
Loans / Deposits79.15%82.54%82.42%80.55%83.35%+419 bps
Liquid Assets / Assets8.82%6.99%7.72%9.90%7.82%-100 bps
CRE / Total Capitaln/a24.18%25.41%23.98%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 Association of Greene County

Waynesburg, PA · Cert 28706 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State savings bank · OCC · 7 branches

Q2 2026

$1.0BAssets
$726.6MLoans
$871.8MDeposits
$154.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: return on equity trails 96% of banks $1B-$10B in assets operating in a single state (rank 247 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.48%

Rank 243 of 258

Net Interest Margin

2.60%

Rank 238 of 258

Efficiency Ratio

78.17%

Rank 231 of 257

Equity / Assets

14.99%

Rank 18 of 258

Non-interest income vs. expense

$2.2M$22.9MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 11% of banks $1B-$10B in assets operating in a single state
Bank 78.17%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.93%1.23%1.54%Beats 6%243 / 258
Return on Equity3.23%9.26%11.84%14.74%Beats 4%247 / 258
Net Interest Margin2.60%3.16%3.49%3.88%Beats 8%238 / 258
Efficiency Ratio78.17%51.71%60.30%69.65%Beats 11%231 / 257
Asset Quality
Nonperforming Loans / Loans0.54%0.19%0.46%0.90%Beats 41%152 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio31.68%11.41%12.98%15.12%Beats 98%4 / 258
Total Risk-Based Capital Ratio32.08%12.10%13.91%16.08%Beats 98%4 / 258
Equity / Assets14.99%9.09%10.24%11.72%Beats 93%18 / 258
Liquidity & Funding
Loans / Deposits83.35%73.24%86.34%95.95%41st pctl152 / 258
Loans / Assets70.41%63.01%72.27%78.40%44th pctl145 / 258
Brokered Deposits / Depositsn/aNot reported for this institution