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First Federal Savings and Loan Association of Delta

Delta, OH · Cert 29345 · First Feddelta Bancshares MHC

State savings bank · OCC · 6 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

45

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 Delta

Delta, OH · Cert 29345 · First Feddelta Bancshares MHC

State savings bank · OCC · 6 branches

Q2 2026

$246.0MAssets
$115.6MLoans
$205.9MDeposits
$39.2MEquity
Loan mix
96%RE $107.3M3%C&I $3.4M1%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $184.0M11%Noninterest $21.8MQ3 2024Q2 2026

Market Position · Toledo, OH · 2026 SOD (annual) · 1.3% share · #13 of 22 inst. · $0.2B of $16.1B

1.0% Lucas
5.9% Fulton

Executive Summary

  • Earnings: ROA of 1.07%, up 14 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.48%, down 11 bps from a year ago.
  • Funding: loans stand at 56.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.07%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+14 bps YoY

Efficiency Ratio (YTD, annualized)

66.17%-384 bps YoY

Tier 1 Leverage Ratio

16.48%-11 bps YoY

NIM

4.08%Q2 ’244.01%Q2 ’254.05%Q2 ’26-3%+4%

Non-interest income vs. expense

2.54%Q2 ’242.57%Q2 ’252.53%Q2 ’26+0%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.91%0.81%0.93%0.93%0.96%1.08%1.07%+14 bps
Return on Equity6.47%6.34%5.45%6.21%6.20%6.33%6.94%6.79%+57 bps
Net Interest Margin3.43%3.39%3.31%3.29%3.32%3.32%3.44%3.43%+14 bps
Efficiency Ratio68.03%68.69%71.27%70.01%69.89%68.84%65.43%66.17%-384 bps
Non-Interest Burden2.23%2.22%2.25%2.19%2.21%2.17%2.10%2.14%-5 bps
Growth
Asset Growth (YoY)1.56%1.07%2.33%4.88%5.25%4.79%6.46%3.18%-169 bps
Loan Growth (YoY)1.56%3.36%2.73%2.64%5.74%8.54%13.13%14.95%+1,232 bps
Deposit Growth (YoY)-1.06%-0.29%0.95%3.87%4.52%3.36%5.80%2.07%-180 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.16%0.16%0.15%0.04%0.00%0.00%0.00%-15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.76%0.70%0.70%0.69%0.67%0.64%0.62%0.60%-9 bps
Allowance Coverage of NPLs4.4x4.3x4.4x4.5x18.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio16.47%16.54%16.68%16.60%16.56%16.52%16.54%16.48%-11 bps
Total Risk-Based Capital44.09%42.39%41.94%41.23%41.94%41.52%43.29%40.32%-92 bps
Equity / Assets15.25%14.65%15.08%15.06%15.55%15.73%15.52%15.93%+88 bps
Liquidity & Funding
Loans / Deposits51.22%50.68%50.50%49.88%51.82%53.22%54.00%56.18%+630 bps
Liquid Assets / Assets4.97%8.65%8.58%10.67%9.42%7.80%8.51%7.40%-327 bps
CRE / Total Capitaln/an/an/an/a20.71%23.25%26.93%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 Delta

Delta, OH · Cert 29345 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Feddelta Bancshares MHC

State savings bank · OCC · 6 branches

Q2 2026

$246.0MAssets
$115.6MLoans
$205.9MDeposits
$39.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: return on equity trails 75% of banks under $1B in assets operating in a single state (rank 562 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.06%

Rank 370 of 746

Net Interest Margin

3.43%

Rank 474 of 746

Efficiency Ratio

66.17%

Rank 412 of 746

Equity / Assets

15.93%

Rank 80 of 746

Non-interest income vs. expense

$1.0M$6.4MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state
Bank 66.17%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.72%1.06%1.45%Beats 50%370 / 746
Return on Equity6.67%6.74%10.51%13.63%Beats 25%562 / 746
Net Interest Margin3.43%3.17%3.68%4.16%Beats 36%474 / 746
Efficiency Ratio66.17%55.74%64.58%75.47%Beats 45%412 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio39.65%11.55%13.75%17.60%Beats 97%23 / 746
Total Risk-Based Capital Ratio40.32%11.71%14.33%18.43%Beats 97%23 / 746
Equity / Assets15.93%8.90%10.51%13.06%Beats 89%80 / 746
Liquidity & Funding
Loans / Deposits56.18%61.31%78.27%90.78%19th pctl605 / 746
Loans / Assets47.00%53.60%66.97%76.08%17th pctl622 / 746
Brokered Deposits / Depositsn/aNot reported for this institution