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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

4.28%Q2 ’244.43%Q2 ’254.67%Q2 ’26+5%+16%

Non-interest income vs. expense

2.77%Q2 ’242.53%Q2 ’252.65%Q2 ’26-9%-2%

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 0.47%, up 21 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 1.32% of loans (-22 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

0.47%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+42 bps YoY

Efficiency Ratio (quarter, annualized)

75.35%-1,089 bps YoY

Tier 1 Leverage Ratio

10.69%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.25%0.27%0.34%0.47%+21 bps
Return on Equity2.56%2.41%2.61%3.19%4.37%+181 bps
Net Interest Margin2.60%2.71%2.71%2.77%3.02%+42 bps
Efficiency Ratio86.23%86.23%85.84%80.86%75.35%-1,089 bps
Non-Interest Burden2.18%2.27%2.27%2.14%2.14%-5 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%0.00%-0.16%-0.09%-0.02%-1 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