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First Federal Savings and Loan Association of Van Wert, OH

Van Wert, OH · Cert 29135 · First FS&LA of Van Wert MHC

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

21

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 Van Wert, OH

Van Wert, OH · Cert 29135 · First FS&LA of Van Wert MHC

State savings bank · OCC · 2 branches

Q2 2026

$197.4MAssets
$140.1MLoans
$169.6MDeposits
$24.9MEquity
Loan mix
94%RE $126.2M5%C&I $6.3M2%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $149.1M12%Noninterest $20.5MQ2 2025Q2 2026

NIM

3.87%Q2 ’244.18%Q2 ’254.39%Q2 ’26-4%+22%

Non-interest income vs. expense

2.34%Q2 ’243.14%Q2 ’252.67%Q2 ’26+37%-25%

Executive Summary

  • Earnings: ROA of 0.59%, up 128 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 1.32% of loans (+73 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, down 66 bps from a year ago.
  • Funding: loans stand at 82.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+128 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+49 bps YoY

Efficiency Ratio (YTD, annualized)

82.31%-4,359 bps YoY

Tier 1 Leverage Ratio

13.52%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.69%-0.41%-0.29%0.77%0.59%+128 bps
Return on Equity-5.26%-3.14%-2.20%6.04%4.65%+990 bps
Net Interest Margin2.28%2.32%2.33%2.74%2.77%+49 bps
Efficiency Ratio125.89%114.72%109.76%78.14%82.31%-4,359 bps
Non-Interest Burden2.92%2.70%2.58%1.98%2.19%-73 bps
Growth
Asset Growth (YoY)8.86%7.63%4.46%7.93%7.23%-163 bps
Loan Growth (YoY)9.03%7.32%9.96%14.41%14.05%+502 bps
Deposit Growth (YoY)14.47%12.83%8.03%8.73%7.44%-703 bps
Asset Quality
Nonperforming Loans / Loans0.59%1.23%1.42%1.48%1.32%+73 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.20%0.20%0.21%0.20%0.19%-1 bps
Allowance Coverage of NPLs0.3x0.2x0.1x0.1x0.1x-0.2x
Capital
Tier 1 Leverage Ratio14.18%13.90%13.61%13.62%13.52%-66 bps
Total Risk-Based Capital14.18%13.90%13.61%13.62%13.52%-66 bps
Equity / Assets12.90%12.79%12.83%12.63%12.59%-31 bps
Liquidity & Funding
Loans / Deposits77.81%77.69%78.31%80.56%82.60%+479 bps
Liquid Assets / Assets4.30%4.54%4.64%2.64%1.49%-281 bps
CRE / Total Capitaln/a54.73%53.96%68.67%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 Van Wert, OH

Van Wert, OH · Cert 29135 · Peer group: banks under $1B in assets in OH (n=68-71) · First FS&LA of Van Wert MHC

State savings bank · OCC · 2 branches

Q2 2026

$197.4MAssets
$140.1MLoans
$169.6MDeposits
$24.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets in OH (rank 61 of 71).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.58%

Rank 56 of 71

Net Interest Margin

2.77%

Rank 61 of 71

Efficiency Ratio

82.31%

Rank 57 of 71

Equity / Assets

12.59%

Rank 21 of 71

Non-interest income vs. expense

$1.0M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 21% of banks under $1B in assets in OH
Bank 82.31%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.62%1.02%1.39%Beats 21%56 / 71
Return on Equity4.61%5.62%10.07%13.60%Beats 18%58 / 71
Net Interest Margin2.77%2.93%3.56%4.07%Beats 14%61 / 71
Efficiency Ratio82.31%55.94%70.77%78.80%Beats 21%57 / 71
Asset Quality
Nonperforming Loans / Loans1.32%0.08%0.27%0.97%Beats 21%55 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio13.52%11.18%13.77%20.34%Beats 44%40 / 71
Total Risk-Based Capital Ratio13.52%12.08%14.34%21.24%Beats 37%45 / 71
Equity / Assets12.59%8.41%10.74%13.32%Beats 70%21 / 71
Liquidity & Funding
Loans / Deposits82.60%64.48%76.81%87.49%66th pctl23 / 68
Loans / Assets70.97%55.33%65.58%72.51%69th pctl22 / 71
Brokered Deposits / Depositsn/aNot reported for this institution