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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

$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