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First Federal Savings Bank of Angola

Angola, IN · Cert 28769

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

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 Bank of Angola

Angola, IN · Cert 28769

State savings bank · OCC · 1 branch

Q2 2026

$137.3MAssets
$108.2MLoans
$103.5MDeposits
$33.4MEquity
Loan mix
97%RE $103.8M0%C&I $0.2M3%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $78.9M24%Noninterest $24.7MQ2 2025Q2 2026

NIM

3.38%Q2 ’243.79%Q2 ’254.12%Q2 ’26+11%+8%

Non-interest income vs. expense

2.29%Q2 ’242.38%Q2 ’252.53%Q2 ’26+6%+7%

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.28%, up 59 bps from a year ago.
  • Funding: loans stand at 104.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+26 bps YoY

Efficiency Ratio (YTD, annualized)

65.80%-82 bps YoY

Tier 1 Leverage Ratio

23.28%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.92%0.97%0.90%1.03%+12 bps
Return on Equity3.98%3.99%4.17%3.80%4.31%+33 bps
Net Interest Margin3.31%3.36%3.39%3.48%3.57%+26 bps
Efficiency Ratio66.61%66.96%66.14%69.05%65.80%-82 bps
Non-Interest Burden2.12%2.16%2.16%2.32%2.26%+14 bps
Growth
Asset Growth (YoY)-0.10%1.11%-0.56%1.52%-0.51%-41 bps
Loan Growth (YoY)9.71%10.00%9.85%6.93%4.52%-520 bps
Deposit Growth (YoY)-0.82%0.08%-2.06%0.53%2.64%+346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.01%-0.01%0.00%-1 bps
Allowance / Loans0.99%0.98%0.95%0.96%0.95%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio22.69%22.95%23.09%23.06%23.28%+59 bps
Total Risk-Based Capital22.69%22.95%23.09%23.06%23.28%+59 bps
Equity / Assets23.17%23.48%23.72%23.58%24.31%+115 bps
Liquidity & Funding
Loans / Deposits102.65%99.49%102.26%100.65%104.53%+188 bps
Liquid Assets / Assets21.89%21.12%19.43%20.71%18.37%-352 bps
CRE / Total Capitaln/a13.52%15.80%14.68%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 Bank of Angola

Angola, IN · Cert 28769 · Peer group: banks under $1B in assets (n=570-617)

State savings bank · OCC · 1 branch

Q2 2026

$137.3MAssets
$108.2MLoans
$103.5MDeposits
$33.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
  • Widest gap: return on equity trails 81% of banks under $1B in assets (rank 499 of 617).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.04%

Rank 300 of 617

Net Interest Margin

3.57%

Rank 295 of 617

Efficiency Ratio

65.80%

Rank 272 of 617

Equity / Assets

24.31%

Rank 68 of 617

Non-interest income vs. expense

$0.4M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 56% of banks under $1B in assets
Bank 65.80%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.60%1.01%1.45%Beats 51%300 / 617
Return on Equity4.26%5.30%9.43%13.30%Beats 19%499 / 617
Net Interest Margin3.57%3.04%3.54%4.05%Beats 52%295 / 617
Efficiency Ratio65.80%58.03%67.76%79.08%Beats 56%272 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 59%237 / 570
Capital
Tier 1 Capital Ratio23.28%11.18%13.83%18.55%Beats 82%110 / 617
Total Risk-Based Capital Ratio23.28%11.56%14.39%19.39%Beats 82%114 / 617
Equity / Assets24.31%9.03%10.55%13.63%Beats 89%68 / 617
Liquidity & Funding
Loans / Deposits104.53%64.77%79.70%93.06%92nd pctl49 / 582
Loans / Assets78.85%51.70%67.18%77.51%79th pctl131 / 617
Brokered Deposits / Depositsn/aNot reported for this institution