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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 $4.1MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $298.0M8%Noninterest $27.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.00%0.06%0.16%0.19%0.21%0.34%0.40%+24 bps
Return on Equity0.33%0.02%0.57%1.57%1.85%2.05%3.19%3.78%+221 bps
Net Interest Margin2.41%2.36%2.29%2.45%2.57%2.60%2.77%2.90%+45 bps
Efficiency Ratio99.53%100.23%97.15%91.37%89.54%88.59%80.86%78.00%-1,337 bps
Non-Interest Burden2.38%2.35%2.21%2.20%2.26%2.26%2.14%2.15%-6 bps
Growth
Asset Growth (YoY)1.67%6.10%9.64%7.19%5.58%1.99%-3.10%-1.10%-828 bps
Loan Growth (YoY)2.89%0.11%-4.41%-3.81%-3.81%-1.79%3.92%5.13%+894 bps
Deposit Growth (YoY)0.33%5.24%10.45%7.17%7.08%1.91%-4.61%-2.00%-917 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.09%1.96%1.54%1.01%1.58%1.35%1.32%-22 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%-0.01%-0.01%-0.04%-0.09%-0.06%-5 bps
Allowance / Loans0.98%1.06%1.09%1.14%1.17%1.20%1.25%1.29%+16 bps
Allowance Coverage of NPLs0.9x1.0x0.6x0.7x1.2x0.8x0.9x1.0x+0.2x
Capital
Tier 1 Leverage Ratio10.93%10.60%10.04%10.22%10.54%10.60%10.49%10.69%+48 bps
Total Risk-Based Capital10.93%10.60%10.04%10.22%10.54%10.60%10.49%10.69%+48 bps
Equity / Assets10.75%10.14%9.71%10.16%10.51%10.53%10.53%10.76%+60 bps
Liquidity & Funding
Loans / Deposits98.44%91.14%82.19%86.52%88.43%87.83%89.54%92.80%+629 bps
Liquid Assets / Assets1.20%5.10%11.68%8.74%8.52%8.49%6.34%4.84%-390 bps
CRE / Total Capitaln/an/an/an/a170.94%164.91%179.09%n/an/a