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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

5.02%Q2 ’245.25%Q2 ’255.29%Q2 ’26+13%+15%

Non-interest income vs. expense

2.56%Q2 ’242.58%Q2 ’252.78%Q2 ’26+3%+7%

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

Executive Summary

  • Earnings: ROA of 0.54%, up 25 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 1.28% of loans (+51 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

0.54%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+40 bps YoY

Efficiency Ratio (quarter, annualized)

80.31%-537 bps YoY

Tier 1 Leverage Ratio

14.18%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.45%0.47%0.47%0.54%+25 bps
Return on Equity2.21%3.47%3.57%3.55%3.99%+178 bps
Net Interest Margin2.67%2.73%2.88%2.90%3.08%+40 bps
Efficiency Ratio85.68%84.09%82.56%81.10%80.31%-537 bps
Non-Interest Burden2.24%2.22%2.31%2.28%2.39%+15 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%0.02%+2 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