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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 $0.1MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $23.5M0%Noninterest $0.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.36%, up 6 bps year over year; NIM at 2.32%.
  • 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.

Return on Assets (quarter, annualized)

0.36%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.32%+13 bps YoY

Efficiency Ratio (quarter, annualized)

80.50%-602 bps YoY

Tier 1 Leverage Ratio

10.43%-8 bps YoY

NIM

5.25%Q2 ’245.19%Q2 ’255.10%Q2 ’260%+6%

Non-interest income vs. expense

2.07%Q2 ’241.91%Q2 ’251.93%Q2 ’26-9%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.06%0.00%0.30%0.32%0.27%0.24%0.36%+6 bps
Return on Equity-1.05%-0.60%0.00%2.84%3.11%2.65%2.34%3.48%+65 bps
Net Interest Margin1.95%1.87%2.05%2.19%2.31%2.22%2.11%2.32%+13 bps
Efficiency Ratio105.74%110.26%96.18%86.52%81.70%83.22%85.03%80.50%-602 bps
Non-Interest Burden2.07%2.07%1.97%1.89%1.88%1.84%1.79%1.86%-4 bps
Growth
Asset Growth (YoY)1.64%2.74%2.30%3.66%7.22%8.01%7.22%2.40%-126 bps
Loan Growth (YoY)0.93%0.82%-1.52%-3.99%-1.33%2.33%0.34%-0.85%+314 bps
Deposit Growth (YoY)1.82%3.15%2.67%4.10%8.03%8.65%7.76%2.34%-176 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.89%1.45%0.85%0.52%0.52%1.10%1.11%+26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.57%0.57%0.57%0.57%0.56%0.57%0.57%0 bps
Allowance Coverage of NPLs0.7x0.6x0.4x0.7x1.1x1.1x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio10.79%10.78%10.59%10.51%10.42%10.21%10.12%10.43%-8 bps
Total Risk-Based Capital23.72%24.03%23.99%24.02%23.53%23.45%23.83%24.10%+8 bps
Equity / Assets10.88%10.68%10.55%10.48%10.28%10.11%10.11%10.53%+5 bps
Liquidity & Funding
Loans / Deposits93.17%89.01%87.89%86.58%85.10%83.84%81.84%83.87%-270 bps
Liquid Assets / Assets15.57%18.63%19.98%20.72%20.59%21.63%24.49%23.31%+259 bps
CRE / Total Capitaln/an/an/an/a82.35%81.63%82.79%n/an/a