PackageTrendsPeer
Letter portraitLegal landscape

First Federal Savings Bank

Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

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=573 to 620). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

13

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 2026-10-10

First Federal Savings Bank

Evansville, IN · Cert 29056 · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$575.6MAssets
$429.4MLoans
$472.8MDeposits
$53.9MEquity
Loan mix
83%RE $357.8M16%C&I $70.1M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $440.6M7%Noninterest $32.2MQ2 2025Q2 2026

NIM

4.94%Q2 ’244.93%Q2 ’255.08%Q2 ’26+4%+15%

Non-interest income vs. expense

2.75%Q2 ’242.93%Q2 ’253.17%Q2 ’26+7%+8%

Market Position · Evansville, IN · 2026 SOD (annual) · 2.9% share · #5 of 15 inst. · $0.4B of $13.6B

3.1% Vanderburgh
22.0% Pike
2.7% Daviess
2.2% Warrick

Executive Summary

  • Earnings: ROA of 0.37%, up 14 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.24% of loans (-18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.54%, up 59 bps from a year ago.
  • Funding: loans stand at 90.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+39 bps YoY

Efficiency Ratio (YTD, annualized)

89.40%-486 bps YoY

Tier 1 Leverage Ratio

9.54%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.29%0.36%0.29%0.37%+14 bps
Return on Equity2.78%3.59%4.37%3.22%4.05%+127 bps
Net Interest Margin2.59%2.63%2.67%2.89%2.97%+39 bps
Efficiency Ratio94.26%91.74%89.68%92.17%89.40%-486 bps
Non-Interest Burden2.38%2.34%2.31%2.59%2.57%+18 bps
Growth
Asset Growth (YoY)-4.67%-4.20%-2.81%-4.32%-4.88%-21 bps
Loan Growth (YoY)-6.07%-6.18%-3.68%-5.24%-4.87%+121 bps
Deposit Growth (YoY)4.89%3.94%3.68%-5.43%-3.82%-872 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.29%0.22%0.33%0.24%-18 bps
Net Charge-Offs / Loans0.11%0.09%0.05%0.00%0.01%-11 bps
Allowance / Loans1.08%1.07%1.09%1.14%1.15%+7 bps
Allowance Coverage of NPLs2.6x3.7x4.9x3.5x4.9x+2.3x
Capital
Tier 1 Leverage Ratio8.95%8.92%8.96%9.38%9.54%+59 bps
Total Risk-Based Capital13.88%14.01%14.26%9.38%9.54%-434 bps
Equity / Assets8.19%8.51%8.87%9.06%9.37%+119 bps
Liquidity & Funding
Loans / Deposits91.81%92.08%93.14%94.24%90.81%-99 bps
Liquid Assets / Assets2.07%2.63%1.86%2.05%1.94%-12 bps
CRE / Total Capitaln/a258%252%245%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 2026-10-10

First Federal Savings Bank

Evansville, IN · Cert 29056 · Peer group: banks under $1B in assets (n=573-620) · First Bcorp of Indiana Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$575.6MAssets
$429.4MLoans
$472.8MDeposits
$53.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets (rank 213 of 573).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 583 of 620).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.38%

Rank 524 of 620

Net Interest Margin

2.97%

Rank 474 of 620

Efficiency Ratio

89.40%

Rank 541 of 620

Equity / Assets

9.37%

Rank 426 of 620

Non-interest income vs. expense

$3.5M$18.4MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 13% of banks under $1B in assets
Bank 89.40%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.60%1.00%1.45%Beats 15%524 / 620
Return on Equity4.01%5.30%9.30%13.29%Beats 18%508 / 620
Net Interest Margin2.97%3.02%3.53%4.04%Beats 24%474 / 620
Efficiency Ratio89.40%58.35%68.08%79.37%Beats 13%541 / 620
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.47%1.27%Beats 63%213 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 57%248 / 573
Capital
Tier 1 Capital Ratio9.54%11.27%13.87%18.78%Beats 6%581 / 620
Total Risk-Based Capital Ratio9.54%11.69%14.57%19.67%Beats 6%583 / 620
Equity / Assets9.37%9.03%10.60%13.73%Beats 31%426 / 620
Liquidity & Funding
Loans / Deposits90.81%65.08%79.69%92.47%72nd pctl163 / 585
Loans / Assets74.60%51.85%67.17%77.86%66th pctl211 / 620
Brokered Deposits / Depositsn/aNot reported for this institution