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First Federal Savings and Loan Association of Lakewood

Lakewood, OH · Cert 29488 · First Mutual Holding Co.

State savings bank · OCC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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 Lakewood

Lakewood, OH · Cert 29488 · First Mutual Holding Co.

State savings bank · OCC · 4 affiliate banks · 20 branches (26 in holding)

Q2 2026

$2.9BAssets
$2.4BLoans
$2.2BDeposits
$234.6MEquity
Loan mix
89%RE $2.1B4%C&I $0.1B7%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.9B15%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.36%Q2 ’244.43%Q2 ’254.33%Q2 ’26+5%+3%

Non-interest income vs. expense

1.98%Q2 ’242.61%Q2 ’252.19%Q2 ’26+42%-19%

Market Position · Cleveland, OH · 2026 SOD (annual) · 1.6% share · #10 of 35 inst. · $2.2B of $136.4B

1.6% Cuyahoga
3.9% Lorain
1.5% Medina
0.8% Lake

Executive Summary

  • Earnings: ROA of 0.57%, up 70 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.44% of loans (+4 bps YoY), with net recoveries of 0.48%.
  • Capital: tier 1 leverage ratio of 8.37%, up 34 bps from a year ago.
  • Funding: loans stand at 108.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+7 bps YoY

Efficiency Ratio (YTD, annualized)

87.56%-2,045 bps YoY

Tier 1 Leverage Ratio

8.37%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%0.02%0.11%0.88%0.57%+70 bps
Return on Equity-1.67%0.31%1.48%11.22%7.30%+897 bps
Net Interest Margin2.08%2.12%2.11%2.15%2.14%+7 bps
Efficiency Ratio108.01%101.12%85.79%87.92%87.56%-2,045 bps
Non-Interest Burden2.27%2.15%1.75%1.84%1.83%-44 bps
Growth
Asset Growth (YoY)-0.33%-4.12%-2.59%-2.68%0.08%+41 bps
Loan Growth (YoY)0.76%-2.52%-2.83%-2.67%-1.76%-253 bps
Deposit Growth (YoY)-0.42%-1.24%-2.13%-2.55%5.62%+603 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.39%0.44%0.45%0.44%+4 bps
Net Charge-Offs / Loans0.01%0.01%0.32%-0.97%-0.48%-49 bps
Allowance / Loans0.82%0.81%0.82%0.82%0.80%-2 bps
Allowance Coverage of NPLs2.1x2.0x1.8x1.8x1.8x-0.2x
Capital
Tier 1 Leverage Ratio8.03%8.23%8.15%8.38%8.37%+34 bps
Total Risk-Based Capital12.66%12.88%12.97%13.21%12.92%+26 bps
Equity / Assets7.40%7.61%7.70%7.91%7.97%+57 bps
Liquidity & Funding
Loans / Deposits116.72%111.60%110.53%110.47%108.57%-815 bps
Liquid Assets / Assets4.62%5.11%5.78%5.63%5.88%+126 bps
CRE / Total Capitaln/a198.59%199.88%199.40%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 Lakewood

Lakewood, OH · Cert 29488 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Mutual Holding Co.

State savings bank · OCC · 4 affiliate banks · 20 branches (26 in holding)

Q2 2026

$2.9BAssets
$2.4BLoans
$2.2BDeposits
$234.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 66 of 258).
  • Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating in a single state (rank 253 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.57%

Rank 235 of 258

Net Interest Margin

2.14%

Rank 253 of 258

Efficiency Ratio

87.56%

Rank 248 of 257

Equity / Assets

7.97%

Rank 237 of 258

Non-interest income vs. expense

$10.7M$64.2MINCOMEEXPENSE
Unfavorable gap of $53.5M · efficiency ratio beats 4% of banks $1B-$10B in assets operating in a single state
Bank 87.56%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.93%1.23%1.54%Beats 9%235 / 258
Return on Equity7.15%9.26%11.84%14.74%Beats 14%221 / 258
Net Interest Margin2.14%3.16%3.49%3.88%Beats 2%253 / 258
Efficiency Ratio87.56%51.71%60.30%69.65%Beats 4%248 / 257
Asset Quality
Nonperforming Loans / Loans0.44%0.19%0.46%0.90%Beats 51%127 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 75%66 / 258
Capital
Tier 1 Capital Ratio11.93%11.41%12.98%15.12%Beats 31%178 / 258
Total Risk-Based Capital Ratio12.92%12.10%13.91%16.08%Beats 36%165 / 258
Equity / Assets7.97%9.09%10.24%11.72%Beats 8%237 / 258
Liquidity & Funding
Loans / Deposits108.57%73.24%86.34%95.95%94th pctl16 / 258
Loans / Assets82.34%63.01%72.27%78.40%88th pctl31 / 258
Brokered Deposits / Depositsn/aNot reported for this institution