PackageTrendsPeer
Letter portraitLegal landscape

New Carlisle Federal Savings Bank

New Carlisle, OH · Cert 29173

State savings bank · OCC · 3 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

71

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

New Carlisle Federal Savings Bank

New Carlisle, OH · Cert 29173

State savings bank · OCC · 3 branches

Q2 2026

$330.5MAssets
$280.9MLoans
$259.7MDeposits
$27.7MEquity
Loan mix
87%RE $244.9M13%C&I $35.7M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $216.7M17%Noninterest $43.0MQ2 2025Q2 2026

NIM

5.78%Q2 ’245.93%Q2 ’256.44%Q2 ’26-2%+17%

Non-interest income vs. expense

2.60%Q2 ’242.43%Q2 ’252.44%Q2 ’26-4%+4%

Market Position · Springfield, OH · 2026 SOD (annual) · 11.7% share · #4 of 11 inst. · $0.3B of $2.2B

Executive Summary

  • Earnings: ROA of 1.20%, up 15 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 1.78% of loans (-15 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 8.42%, down 6 bps from a year ago.
  • Funding: loans stand at 108.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+58 bps YoY

Efficiency Ratio (YTD, annualized)

57.28%-757 bps YoY

Tier 1 Leverage Ratio

8.42%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.01%0.96%0.93%1.20%+15 bps
Return on Equity12.50%12.23%11.61%11.39%14.51%+201 bps
Net Interest Margin3.38%3.29%3.31%3.61%3.96%+58 bps
Efficiency Ratio64.84%62.87%62.24%63.60%57.28%-757 bps
Non-Interest Burden2.06%1.94%1.94%2.18%2.14%+8 bps
Growth
Asset Growth (YoY)13.45%21.03%15.83%14.94%14.33%+88 bps
Loan Growth (YoY)15.11%15.88%14.03%15.93%12.12%-299 bps
Deposit Growth (YoY)18.08%39.78%31.93%25.83%19.08%+100 bps
Asset Quality
Nonperforming Loans / Loans1.93%1.97%1.47%1.57%1.78%-15 bps
Net Charge-Offs / Loans0.19%0.14%0.43%0.04%0.39%+19 bps
Allowance / Loans0.88%0.93%0.73%0.78%0.72%-16 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio8.48%8.25%8.25%8.17%8.42%-6 bps
Total Risk-Based Capital10.74%10.42%10.34%10.21%10.79%+5 bps
Equity / Assets8.46%8.02%8.26%8.06%8.39%-8 bps
Liquidity & Funding
Loans / Deposits114.87%107.66%110.81%107.06%108.16%-672 bps
Liquid Assets / Assets2.55%2.59%2.54%2.38%2.74%+19 bps
CRE / Total Capitaln/a427%450%456%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

New Carlisle Federal Savings Bank

New Carlisle, OH · Cert 29173 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 3 branches

Q2 2026

$330.5MAssets
$280.9MLoans
$259.7MDeposits
$27.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 77% of banks under $1B in assets operating in a single state (rank 172 of 746).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets operating in a single state (rank 683 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.17%

Rank 308 of 746

Net Interest Margin

3.96%

Rank 259 of 746

Efficiency Ratio

57.28%

Rank 220 of 746

Equity / Assets

8.39%

Rank 613 of 746

Non-interest income vs. expense

$1.0M$8.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state
Bank 57.28%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.72%1.06%1.45%Beats 59%308 / 746
Return on Equity14.01%6.74%10.51%13.63%Beats 77%172 / 746
Net Interest Margin3.96%3.17%3.68%4.16%Beats 65%259 / 746
Efficiency Ratio57.28%55.74%64.58%75.47%Beats 71%220 / 746
Asset Quality
Nonperforming Loans / Loans1.78%0.09%0.42%1.07%Beats 14%641 / 743
Net Charge-Offs / Loans0.19%0.00%0.01%0.05%Beats 8%683 / 743
Capital
Tier 1 Capital Ratio10.05%11.55%13.75%17.60%Beats 9%679 / 746
Total Risk-Based Capital Ratio10.79%11.71%14.33%18.43%Beats 16%629 / 746
Equity / Assets8.39%8.90%10.51%13.06%Beats 18%613 / 746
Liquidity & Funding
Loans / Deposits108.16%61.31%78.27%90.78%96th pctl31 / 746
Loans / Assets84.99%53.60%66.97%76.08%95th pctl36 / 746
Brokered Deposits / Depositsn/aNot reported for this institution