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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=581 to 629). 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 $3.1MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $78.9M24%Noninterest $24.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.77%0.83%0.91%0.92%0.97%0.90%1.03%+12 bps
Return on Equity3.18%3.45%3.64%3.98%3.99%4.17%3.80%4.31%+33 bps
Net Interest Margin3.00%3.03%3.26%3.31%3.36%3.39%3.48%3.57%+26 bps
Efficiency Ratio71.60%68.61%69.48%66.61%66.96%66.14%69.05%65.80%-82 bps
Non-Interest Burden2.06%1.99%2.19%2.12%2.16%2.16%2.32%2.26%+14 bps
Growth
Asset Growth (YoY)-3.51%1.14%0.44%-0.10%1.11%-0.56%1.52%-0.51%-41 bps
Loan Growth (YoY)7.07%7.17%8.97%9.71%10.00%9.85%6.93%4.52%-520 bps
Deposit Growth (YoY)-5.46%0.41%-0.55%-0.82%0.08%-2.06%0.53%2.64%+346 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.07%0.10%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.01%-0.01%0.00%-1 bps
Allowance / Loans1.08%1.05%1.02%0.99%0.98%0.95%0.96%0.95%-4 bps
Allowance Coverage of NPLs14.4x14.9x10.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio22.34%22.39%22.27%22.69%22.95%23.09%23.06%23.28%+59 bps
Total Risk-Based Capital22.34%22.39%22.27%22.69%22.95%23.09%23.06%23.28%+59 bps
Equity / Assets22.79%22.63%22.95%23.17%23.48%23.72%23.58%24.31%+115 bps
Liquidity & Funding
Loans / Deposits90.52%91.17%94.62%102.65%99.49%102.26%100.65%104.53%+188 bps
Liquid Assets / Assets27.01%26.68%24.35%21.89%21.12%19.43%20.71%18.37%-352 bps
CRE / Total Capitaln/an/an/an/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=581-629)

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 81 of 581).
  • Widest gap: return on equity trails 81% of banks under $1B in assets (rank 509 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.04%

Rank 305 of 629

Net Interest Margin

3.57%

Rank 300 of 629

Efficiency Ratio

65.80%

Rank 275 of 629

Equity / Assets

24.31%

Rank 68 of 629

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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.60%1.01%1.45%Beats 52%305 / 629
Return on Equity4.26%5.38%9.30%13.28%Beats 19%509 / 629
Net Interest Margin3.57%3.03%3.54%4.05%Beats 52%300 / 629
Efficiency Ratio65.80%58.35%67.79%79.08%Beats 56%275 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 60%234 / 581
Capital
Tier 1 Capital Ratio23.28%11.24%13.84%18.77%Beats 82%113 / 629
Total Risk-Based Capital Ratio23.28%11.58%14.43%19.66%Beats 81%117 / 629
Equity / Assets24.31%9.09%10.65%13.80%Beats 89%68 / 629
Liquidity & Funding
Loans / Deposits104.53%67.24%80.90%93.48%91st pctl51 / 594
Loans / Assets78.85%53.31%67.71%78.15%77th pctl142 / 629
Brokered Deposits / Depositsn/aNot reported for this institution