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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