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First Federal Savings and Loan Association

Ravenswood, WV · Cert 29490

State savings bank · OCC · 1 branch

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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

14

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

Ravenswood, WV · Cert 29490

State savings bank · OCC · 1 branch

Q2 2026

$26.3MAssets
$19.7MLoans
$23.5MDeposits
$2.8MEquity
Loan mix
99%RE $19.7M0%C&I $0.0M1%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $23.5M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.12%Q2 ’255.11%Q2 ’26+1%+6%

Non-interest income vs. expense

2.10%Q2 ’241.94%Q2 ’251.91%Q2 ’26-8%-4%

Executive Summary

  • Earnings: ROA of 0.30%, up 15 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 1.11% of loans (+26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.43%, down 8 bps from a year ago.
  • Funding: loans stand at 83.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.24%+14 bps YoY

Efficiency Ratio (YTD, annualized)

82.68%-850 bps YoY

Tier 1 Leverage Ratio

10.43%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.21%0.22%0.24%0.30%+15 bps
Return on Equity1.42%1.99%2.15%2.34%2.91%+149 bps
Net Interest Margin2.10%2.15%2.12%2.11%2.24%+14 bps
Efficiency Ratio91.18%87.76%86.59%85.03%82.68%-850 bps
Non-Interest Burden1.92%1.88%1.84%1.79%1.84%-8 bps
Growth
Asset Growth (YoY)3.66%7.22%8.01%7.22%2.40%-126 bps
Loan Growth (YoY)-3.99%-1.33%2.33%0.34%-0.85%+314 bps
Deposit Growth (YoY)4.10%8.03%8.65%7.76%2.34%-176 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.52%0.52%1.10%1.11%+26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.57%0.57%0.56%0.57%0.57%0 bps
Allowance Coverage of NPLs0.7x1.1x1.1x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio10.51%10.42%10.21%10.12%10.43%-8 bps
Total Risk-Based Capital24.02%23.53%23.45%23.83%24.10%+8 bps
Equity / Assets10.48%10.28%10.11%10.11%10.53%+5 bps
Liquidity & Funding
Loans / Deposits86.58%85.10%83.84%81.84%83.87%-270 bps
Liquid Assets / Assets20.72%20.59%21.63%24.49%23.31%+259 bps
CRE / Total Capitaln/a82.35%81.63%82.79%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

Ravenswood, WV · Cert 29490 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 1 branch

Q2 2026

$26.3MAssets
$19.7MLoans
$23.5MDeposits
$2.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets operating in a single state (rank 715 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.30%

Rank 670 of 746

Net Interest Margin

2.24%

Rank 715 of 746

Efficiency Ratio

82.68%

Rank 643 of 746

Equity / Assets

10.53%

Rank 371 of 746

Non-interest income vs. expense

$18K$506KINCOMEEXPENSE
Unfavorable gap of $488K · efficiency ratio beats 14% of banks under $1B in assets operating in a single state
Bank 82.68%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.72%1.06%1.45%Beats 10%670 / 746
Return on Equity2.89%6.74%10.51%13.63%Beats 11%663 / 746
Net Interest Margin2.24%3.17%3.68%4.16%Beats 4%715 / 746
Efficiency Ratio82.68%55.74%64.58%75.47%Beats 14%643 / 746
Asset Quality
Nonperforming Loans / Loans1.11%0.09%0.42%1.07%Beats 24%566 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio23.15%11.55%13.75%17.60%Beats 89%83 / 746
Total Risk-Based Capital Ratio24.10%11.71%14.33%18.43%Beats 89%82 / 746
Equity / Assets10.53%8.90%10.51%13.06%Beats 50%371 / 746
Liquidity & Funding
Loans / Deposits83.87%61.31%78.27%90.78%62nd pctl281 / 746
Loans / Assets74.87%53.60%66.97%76.08%71st pctl218 / 746
Brokered Deposits / Depositsn/aNot reported for this institution