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First Federal Savings Bank

Ottawa, IL · Cert 28924

State savings bank · OCC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 in IL (n=149 to 151). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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

Ottawa, IL · Cert 28924

State savings bank · OCC · 11 branches

Q2 2026

$421.9MAssets
$301.8MLoans
$325.2MDeposits
$45.4MEquity
Loan mix
98%RE $288.0M1%C&I $2.8M1%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $298.0M8%Noninterest $27.2MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.30%Q2 ’254.58%Q2 ’26+1%+18%

Non-interest income vs. expense

2.78%Q2 ’242.53%Q2 ’252.64%Q2 ’26-9%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #116 of 147 inst. · $0.1B of $630.7B

4.5% La Salle
0.2% Will
0.2% Kane
1.9% Grundy

Executive Summary

  • Earnings: ROA of 0.40%, up 24 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.32% of loans (-22 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 10.69%, up 48 bps from a year ago.
  • Funding: loans stand at 92.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+45 bps YoY

Efficiency Ratio (YTD, annualized)

78.00%-1,337 bps YoY

Tier 1 Leverage Ratio

10.69%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.19%0.21%0.34%0.40%+24 bps
Return on Equity1.57%1.85%2.05%3.19%3.78%+221 bps
Net Interest Margin2.45%2.57%2.60%2.77%2.90%+45 bps
Efficiency Ratio91.37%89.54%88.59%80.86%78.00%-1,337 bps
Non-Interest Burden2.20%2.26%2.26%2.14%2.15%-6 bps
Growth
Asset Growth (YoY)7.19%5.58%1.99%-3.10%-1.10%-828 bps
Loan Growth (YoY)-3.81%-3.81%-1.79%3.92%5.13%+894 bps
Deposit Growth (YoY)7.17%7.08%1.91%-4.61%-2.00%-917 bps
Asset Quality
Nonperforming Loans / Loans1.54%1.01%1.58%1.35%1.32%-22 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.04%-0.09%-0.06%-5 bps
Allowance / Loans1.14%1.17%1.20%1.25%1.29%+16 bps
Allowance Coverage of NPLs0.7x1.2x0.8x0.9x1.0x+0.2x
Capital
Tier 1 Leverage Ratio10.22%10.54%10.60%10.49%10.69%+48 bps
Total Risk-Based Capital10.22%10.54%10.60%10.49%10.69%+48 bps
Equity / Assets10.16%10.51%10.53%10.53%10.76%+60 bps
Liquidity & Funding
Loans / Deposits86.52%88.43%87.83%89.54%92.80%+629 bps
Liquid Assets / Assets8.74%8.52%8.49%6.34%4.84%-390 bps
CRE / Total Capitaln/a170.94%164.91%179.09%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

Ottawa, IL · Cert 28924 · Peer group: banks under $1B in assets in IL (n=149-151)

State savings bank · OCC · 11 branches

Q2 2026

$421.9MAssets
$301.8MLoans
$325.2MDeposits
$45.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 61% of banks under $1B in assets in IL (rank 59 of 149).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in IL (rank 138 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.40%

Rank 134 of 151

Net Interest Margin

2.90%

Rank 124 of 151

Efficiency Ratio

78.00%

Rank 123 of 151

Equity / Assets

10.76%

Rank 71 of 151

Non-interest income vs. expense

$2.1M$11.2MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 19% of banks under $1B in assets in IL
Bank 78.00%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.40%0.70%1.03%1.34%Beats 11%134 / 151
Return on Equity3.74%6.74%9.34%12.94%Beats 9%137 / 151
Net Interest Margin2.90%3.02%3.43%3.83%Beats 18%124 / 151
Efficiency Ratio78.00%54.64%64.89%72.50%Beats 19%123 / 151
Asset Quality
Nonperforming Loans / Loans1.32%0.20%0.66%1.77%Beats 34%100 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 61%59 / 149
Capital
Tier 1 Capital Ratio10.69%11.83%14.17%18.66%Beats 11%134 / 151
Total Risk-Based Capital Ratio10.69%12.22%14.54%19.92%Beats 9%138 / 151
Equity / Assets10.76%9.10%10.65%12.40%Beats 53%71 / 151
Liquidity & Funding
Loans / Deposits92.80%54.39%71.02%80.75%92nd pctl12 / 149
Loans / Assets71.53%45.91%61.31%68.01%85th pctl22 / 151
Brokered Deposits / Depositsn/aNot reported for this institution