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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 $2.7MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $440.6M7%Noninterest $32.2MQ3 2024Q2 2026

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 0.45%, up 18 bps year over year; NIM at 3.02%.
  • 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.

Return on Assets (quarter, annualized)

0.45%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+42 bps YoY

Efficiency Ratio (quarter, annualized)

86.76%-604 bps YoY

Tier 1 Leverage Ratio

9.54%+59 bps YoY

NIM

4.98%Q2 ’244.97%Q2 ’255.10%Q2 ’26+3%+16%

Non-interest income vs. expense

2.79%Q2 ’242.95%Q2 ’253.16%Q2 ’26+3%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.35%0.18%0.27%0.43%0.57%0.29%0.45%+18 bps
Return on Equity5.27%4.41%2.26%3.29%5.20%6.61%3.22%4.92%+162 bps
Net Interest Margin2.62%2.60%2.54%2.60%2.77%2.83%2.89%3.02%+42 bps
Efficiency Ratio87.62%90.17%95.77%92.81%87.17%84.11%92.17%86.76%-604 bps
Non-Interest Burden2.21%2.28%2.39%2.35%2.31%2.24%2.59%2.51%+16 bps
Growth
Asset Growth (YoY)0.25%-4.26%-5.07%-4.67%-4.20%-2.81%-4.32%-4.88%-21 bps
Loan Growth (YoY)2.25%-1.71%-4.31%-6.07%-6.18%-3.68%-5.24%-4.87%+121 bps
Deposit Growth (YoY)-4.45%-4.25%2.37%4.89%3.94%3.68%-5.43%-3.82%-872 bps
Asset Quality
Nonperforming Loans / Loans1.60%2.01%1.87%0.42%0.29%0.22%0.33%0.24%-18 bps
Net Charge-Offs / Loans0.06%0.00%0.14%0.09%0.03%-0.07%0.00%0.01%-8 bps
Allowance / Loans1.06%1.08%1.09%1.08%1.07%1.09%1.14%1.15%+7 bps
Allowance Coverage of NPLs0.7x0.5x0.6x2.6x3.7x4.9x3.5x4.9x+2.3x
Capital
Tier 1 Leverage Ratio8.36%8.41%8.80%8.95%8.92%8.96%9.38%9.54%+59 bps
Total Risk-Based Capital12.98%13.35%13.52%13.88%14.01%14.26%9.38%9.54%-434 bps
Equity / Assets8.03%7.90%8.12%8.19%8.51%8.87%9.06%9.37%+119 bps
Liquidity & Funding
Loans / Deposits102.01%100.26%94.05%91.81%92.08%93.14%94.24%90.81%-99 bps
Liquid Assets / Assets1.62%2.14%1.89%2.07%2.63%1.86%2.05%1.94%-12 bps
CRE / Total Capitaln/an/an/an/a258%252%245%n/an/a