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First Federal Savings and Loan Association of Newark

Newark, OH · Cert 29090

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

16

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

First Federal Savings and Loan Association of Newark

Newark, OH · Cert 29090

State savings bank · OCC · 5 branches

Q2 2026

$293.5MAssets
$211.4MLoans
$250.7MDeposits
$39.8MEquity
Loan mix
100%RE $212.2M0%C&I $0.0M0%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $230.1M8%Noninterest $20.6MQ2 2025Q2 2026

NIM

4.88%Q2 ’245.16%Q2 ’255.25%Q2 ’26+9%+17%

Non-interest income vs. expense

2.57%Q2 ’242.58%Q2 ’252.74%Q2 ’26+1%+5%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #25 of 53 inst. · $0.3B of $124.6B

Executive Summary

  • Earnings: ROA of 0.50%, up 28 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 1.28% of loans (+51 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.18%, up 40 bps from a year ago.
  • Funding: loans stand at 84.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.50%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+43 bps YoY

Efficiency Ratio (YTD, annualized)

80.70%-785 bps YoY

Tier 1 Leverage Ratio

14.18%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.30%0.34%0.47%0.50%+28 bps
Return on Equity1.76%2.33%2.65%3.55%3.77%+201 bps
Net Interest Margin2.57%2.63%2.66%2.90%3.00%+43 bps
Efficiency Ratio88.54%86.97%85.79%81.10%80.70%-785 bps
Non-Interest Burden2.24%2.24%2.23%2.28%2.35%+11 bps
Growth
Asset Growth (YoY)4.05%2.20%0.82%1.35%0.32%-372 bps
Loan Growth (YoY)6.49%2.69%3.48%2.06%-1.90%-839 bps
Deposit Growth (YoY)5.62%3.62%1.08%1.05%-0.36%-598 bps
Asset Quality
Nonperforming Loans / Loans0.77%0.77%1.02%1.13%1.28%+51 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.67%0.67%0.66%0.68%0.68%+2 bps
Allowance Coverage of NPLs0.9x0.9x0.6x0.6x0.5x-0.3x
Capital
Tier 1 Leverage Ratio13.77%13.92%13.81%13.91%14.18%+40 bps
Total Risk-Based Capital13.77%13.92%13.81%13.91%14.18%+40 bps
Equity / Assets12.99%13.12%13.21%13.37%13.56%+57 bps
Liquidity & Funding
Loans / Deposits85.62%83.82%83.98%84.01%84.30%-132 bps
Liquid Assets / Assets13.73%15.34%15.65%15.93%15.93%+219 bps
CRE / Total Capitaln/a114.86%106.95%105.22%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

First Federal Savings and Loan Association of Newark

Newark, OH · Cert 29090 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 5 branches

Q2 2026

$293.5MAssets
$211.4MLoans
$250.7MDeposits
$39.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 78% of banks under $1B in assets operating in a single state (rank 161 of 746).
  • Widest gap: return on equity trails 87% of banks under $1B in assets operating in a single state (rank 649 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.51%

Rank 632 of 746

Net Interest Margin

3.00%

Rank 611 of 746

Efficiency Ratio

80.70%

Rank 625 of 746

Equity / Assets

13.56%

Rank 161 of 746

Non-interest income vs. expense

$1.2M$8.0MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 80.70%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.72%1.06%1.45%Beats 15%632 / 746
Return on Equity3.73%6.74%10.51%13.63%Beats 13%649 / 746
Net Interest Margin3.00%3.17%3.68%4.16%Beats 18%611 / 746
Efficiency Ratio80.70%55.74%64.58%75.47%Beats 16%625 / 746
Asset Quality
Nonperforming Loans / Loans1.28%0.09%0.42%1.07%Beats 21%590 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 59%304 / 743
Capital
Tier 1 Capital Ratio14.18%11.55%13.75%17.60%Beats 54%345 / 746
Total Risk-Based Capital Ratio14.18%11.71%14.33%18.43%Beats 48%385 / 746
Equity / Assets13.56%8.90%10.51%13.06%Beats 78%161 / 746
Liquidity & Funding
Loans / Deposits84.30%61.31%78.27%90.78%64th pctl272 / 746
Loans / Assets72.01%53.60%66.97%76.08%63rd pctl277 / 746
Brokered Deposits / Depositsn/aNot reported for this institution