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Security Federal Savings Bank

Logansport, IN · Cert 28894 · Security Federal Mutual Bcorp

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

26

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

Security Federal Savings Bank

Logansport, IN · Cert 28894 · Security Federal Mutual Bcorp

State savings bank · OCC · 8 branches

Q2 2026

$464.4MAssets
$390.0MLoans
$400.4MDeposits
$47.4MEquity
Loan mix
95%RE $353.5M4%C&I $16.0M1%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $337.3M16%Noninterest $63.1MQ2 2025Q2 2026

NIM

4.74%Q2 ’245.16%Q2 ’255.33%Q2 ’26+4%+8%

Non-interest income vs. expense

3.30%Q2 ’243.46%Q2 ’253.18%Q2 ’26+11%-15%

Market Position · Lafayette-West Lafayette, IN · 2026 SOD (annual) · 1.7% share · #15 of 20 inst. · $0.1B of $4.7B

24.0% Cass
11.9% Carroll
0.9% Tippecanoe
1.5% Howard

Executive Summary

  • Earnings: ROA of 0.73%, up 48 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.31% of loans (-2 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.96%, up 100 bps from a year ago.
  • Funding: loans stand at 97.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+25 bps YoY

Efficiency Ratio (YTD, annualized)

74.60%-1,505 bps YoY

Tier 1 Leverage Ratio

10.96%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.36%0.44%0.80%0.73%+48 bps
Return on Equity2.84%4.02%5.00%8.98%7.79%+495 bps
Net Interest Margin3.17%3.11%3.10%3.38%3.43%+25 bps
Efficiency Ratio89.65%88.86%83.80%72.87%74.60%-1,505 bps
Non-Interest Burden2.77%2.69%2.49%2.21%2.34%-43 bps
Growth
Asset Growth (YoY)12.26%15.07%11.37%6.29%7.24%-501 bps
Loan Growth (YoY)12.73%14.69%15.84%14.04%14.18%+144 bps
Deposit Growth (YoY)13.89%15.34%10.69%4.03%7.70%-619 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.38%0.27%0.32%0.31%-2 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.01%0.03%+2 bps
Allowance / Loans0.90%0.87%0.86%0.91%0.93%+3 bps
Allowance Coverage of NPLs2.7x2.3x3.2x2.8x3.0x+0.3x
Capital
Tier 1 Leverage Ratio9.96%9.85%9.71%9.81%10.96%+100 bps
Total Risk-Based Capital15.00%14.93%9.71%9.81%10.96%-404 bps
Equity / Assets8.77%8.82%8.83%9.07%10.20%+144 bps
Liquidity & Funding
Loans / Deposits91.88%94.57%96.20%97.63%97.40%+553 bps
Liquid Assets / Assets6.58%5.23%4.30%3.08%3.19%-339 bps
CRE / Total Capitaln/a308%302%284%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

Security Federal Savings Bank

Logansport, IN · Cert 28894 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Security Federal Mutual Bcorp

State savings bank · OCC · 8 branches

Q2 2026

$464.4MAssets
$390.0MLoans
$400.4MDeposits
$47.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 59% of banks under $1B in assets operating in a single state (rank 306 of 743).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets operating in a single state (rank 617 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.72%

Rank 560 of 746

Net Interest Margin

3.43%

Rank 477 of 746

Efficiency Ratio

74.60%

Rank 550 of 746

Equity / Assets

10.20%

Rank 399 of 746

Non-interest income vs. expense

$3.8M$14.6MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 26% of banks under $1B in assets operating in a single state
Bank 74.60%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.72%1.06%1.45%Beats 25%560 / 746
Return on Equity7.06%6.74%10.51%13.63%Beats 27%541 / 746
Net Interest Margin3.43%3.17%3.68%4.16%Beats 36%477 / 746
Efficiency Ratio74.60%55.74%64.58%75.47%Beats 26%550 / 746
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.42%1.07%Beats 59%306 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 38%460 / 743
Capital
Tier 1 Capital Ratio10.96%11.55%13.75%17.60%Beats 19%606 / 746
Total Risk-Based Capital Ratio10.96%11.71%14.33%18.43%Beats 17%617 / 746
Equity / Assets10.20%8.90%10.51%13.06%Beats 47%399 / 746
Liquidity & Funding
Loans / Deposits97.40%61.31%78.27%90.78%88th pctl93 / 746
Loans / Assets83.98%53.60%66.97%76.08%93rd pctl50 / 746
Brokered Deposits / Depositsn/aNot reported for this institution