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Amory First Savings and Loan Bank, SSB

Amory, MS · Cert 28949

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

37

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

Amory First Savings and Loan Bank, SSB

Amory, MS · Cert 28949

State charter, Fed member · FED · 1 branch

Q2 2026

$78.7MAssets
$62.3MLoans
$68.1MDeposits
$10.2MEquity
Loan mix
99%RE $61.7M0%C&I $0.0M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $68.1M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.92%Q2 ’255.15%Q2 ’26+27%+12%

Non-interest income vs. expense

1.94%Q2 ’242.28%Q2 ’251.89%Q2 ’26+102%-14%

Executive Summary

  • Earnings: ROA of 0.62%, up 46 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 1.37% of loans (+31 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.11%, down 42 bps from a year ago.
  • Funding: loans stand at 91.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+27 bps YoY

Efficiency Ratio (YTD, annualized)

73.08%-2,147 bps YoY

Tier 1 Leverage Ratio

13.11%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.26%0.33%0.16%0.62%+46 bps
Return on Equity1.19%1.99%2.52%1.22%4.78%+359 bps
Net Interest Margin2.29%2.26%2.34%2.48%2.56%+27 bps
Efficiency Ratio94.55%84.98%83.71%93.74%73.08%-2,147 bps
Non-Interest Burden2.16%1.91%1.95%2.33%1.86%-30 bps
Growth
Asset Growth (YoY)-3.18%2.08%6.24%7.54%9.53%+1,271 bps
Loan Growth (YoY)14.22%18.44%21.70%17.08%10.23%-399 bps
Deposit Growth (YoY)-2.68%5.39%6.74%8.04%10.87%+1,356 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.82%0.74%1.00%1.37%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.06%0.03%+3 bps
Allowance / Loans0.94%1.01%0.99%0.95%1.00%+6 bps
Allowance Coverage of NPLs0.9x1.2x1.3x0.9x0.7x-0.2x
Capital
Tier 1 Leverage Ratio13.54%13.08%12.97%12.97%13.11%-42 bps
Total Risk-Based Capital13.54%13.08%12.97%12.97%13.11%-42 bps
Equity / Assets13.43%13.00%13.10%12.72%12.92%-51 bps
Liquidity & Funding
Loans / Deposits91.98%90.82%92.48%92.97%91.45%-53 bps
Liquid Assets / Assets7.87%9.54%8.75%9.16%7.47%-40 bps
CRE / Total Capitaln/a37.33%46.48%42.20%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

Amory First Savings and Loan Bank, SSB

Amory, MS · Cert 28949 · Peer group: banks under $1B in assets (n=581-629)

State charter, Fed member · FED · 1 branch

Q2 2026

$78.7MAssets
$62.3MLoans
$68.1MDeposits
$10.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 70% of banks under $1B in assets (rank 186 of 629).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets (rank 561 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 471 of 629

Net Interest Margin

2.56%

Rank 561 of 629

Efficiency Ratio

73.08%

Rank 396 of 629

Equity / Assets

12.92%

Rank 186 of 629

Non-interest income vs. expense

$0.0M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 37% of banks under $1B in assets
Bank 73.08%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.60%1.01%1.45%Beats 25%471 / 629
Return on Equity4.68%5.38%9.30%13.28%Beats 21%495 / 629
Net Interest Margin2.56%3.03%3.54%4.05%Beats 11%561 / 629
Efficiency Ratio73.08%58.35%67.79%79.08%Beats 37%396 / 629
Asset Quality
Nonperforming Loans / Loans1.37%0.09%0.46%1.20%Beats 21%460 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%325 / 581
Capital
Tier 1 Capital Ratio13.11%11.24%13.84%18.77%Beats 45%346 / 629
Total Risk-Based Capital Ratio13.11%11.58%14.43%19.66%Beats 40%378 / 629
Equity / Assets12.92%9.09%10.65%13.80%Beats 70%186 / 629
Liquidity & Funding
Loans / Deposits91.45%67.24%80.90%93.48%72nd pctl166 / 594
Loans / Assets79.09%53.31%67.71%78.15%79th pctl135 / 629
Brokered Deposits / Depositsn/aNot reported for this institution