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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

$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

3.81%Q2 ’243.84%Q2 ’253.99%Q2 ’26+15%+9%

Non-interest income vs. expense

1.98%Q2 ’242.31%Q2 ’252.30%Q2 ’26+18%-1%

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 0.50%, up 14 bps year over year; NIM at 2.70%.
  • 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 (quarter, annualized)

0.50%+14 bps YoY

Net Interest Margin (quarter, annualized)

2.70%+22 bps YoY

Efficiency Ratio (quarter, annualized)

78.96%-748 bps YoY

Tier 1 Leverage Ratio

15.37%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.29%0.23%0.47%0.50%+14 bps
Return on Equity2.45%1.93%1.53%3.15%3.35%+90 bps
Net Interest Margin2.48%2.54%2.55%2.54%2.70%+22 bps
Efficiency Ratio86.44%84.39%85.04%77.32%78.96%-748 bps
Non-Interest Burden2.12%2.11%2.13%1.91%2.09%-3 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%0.01%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