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Fidelity Federal Savings and Loan Association of Delaware

Delaware, OH · Cert 29521 · Fidelity FS&LA MHC

State savings bank · OCC · 2 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

74

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

6

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

Fidelity Federal Savings and Loan Association of Delaware

Delaware, OH · Cert 29521 · Fidelity FS&LA MHC

State savings bank · OCC · 2 branches

Q2 2026

$131.6MAssets
$80.9MLoans
$99.0MDeposits
$18.7MEquity
Loan mix
99%RE $76.9M0%C&I $0.0M1%Consumer $0.6MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $95.6M3%Noninterest $3.4MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #39 of 53 inst. · $0.1B of $124.6B

Executive Summary

  • Earnings: ROA of 0.16%, up 23 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.04% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.02%, down 21 bps from a year ago.
  • Funding: loans stand at 81.69% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.16%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+18 bps YoY

Efficiency Ratio (YTD, annualized)

92.49%-1,118 bps YoY

Tier 1 Leverage Ratio

17.02%-21 bps YoY

NIM

3.92%Q2 ’244.10%Q2 ’254.25%Q2 ’26-1%+7%

Non-interest income vs. expense

2.71%Q2 ’242.58%Q2 ’252.46%Q2 ’26-5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.11%-0.09%-0.06%-0.08%-0.03%0.09%0.16%+23 bps
Return on Equity-0.93%-0.81%-0.67%-0.48%-0.55%-0.23%0.64%1.13%+161 bps
Net Interest Margin2.40%2.39%2.31%2.36%2.38%2.38%2.49%2.54%+18 bps
Efficiency Ratio105.01%104.47%104.24%103.67%104.59%101.70%95.64%92.49%-1,118 bps
Non-Interest Burden2.53%2.50%2.41%2.45%2.49%2.43%2.38%2.34%-12 bps
Growth
Asset Growth (YoY)3.19%-0.21%0.75%2.03%2.76%1.80%1.71%1.05%-98 bps
Loan Growth (YoY)12.22%11.54%10.64%10.24%8.59%6.48%3.30%4.18%-606 bps
Deposit Growth (YoY)-7.27%-2.64%2.01%1.91%5.59%3.01%2.09%3.45%+154 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.05%0.26%0.25%0.04%0.36%0.00%0.04%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.91%0.89%0.86%0.85%0.85%0.86%0.83%-3 bps
Allowance Coverage of NPLs6.2x18.1x3.5x3.5x20.3x2.4xn/a19.1x+15.6x
Capital
Tier 1 Leverage Ratio17.58%17.44%17.33%17.23%17.16%16.99%17.10%17.02%-21 bps
Total Risk-Based Capital34.96%34.78%34.47%32.21%17.16%33.64%17.10%17.02%-1,519 bps
Equity / Assets14.13%13.19%13.72%13.67%14.22%14.41%14.30%14.19%+52 bps
Liquidity & Funding
Loans / Deposits77.12%77.87%77.54%81.12%79.31%80.50%78.47%81.69%+57 bps
Liquid Assets / Assets0.92%0.45%0.38%0.80%1.65%0.96%0.83%1.65%+86 bps
CRE / Total Capitaln/an/an/an/a60.15%59.56%56.41%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

Fidelity Federal Savings and Loan Association of Delaware

Delaware, OH · Cert 29521 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fidelity FS&LA MHC

State savings bank · OCC · 2 branches

Q2 2026

$131.6MAssets
$80.9MLoans
$99.0MDeposits
$18.7MEquity

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: efficiency ratio trails 94% of banks under $1B in assets operating in a single state (rank 699 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.16%

Rank 700 of 746

Net Interest Margin

2.54%

Rank 691 of 746

Efficiency Ratio

92.49%

Rank 699 of 746

Equity / Assets

14.19%

Rank 132 of 746

Non-interest income vs. expense

$0.2M$3.2MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state
Bank 92.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.16%0.72%1.06%1.45%Beats 6%700 / 746
Return on Equity1.14%6.74%10.51%13.63%Beats 6%702 / 746
Net Interest Margin2.54%3.17%3.68%4.16%Beats 7%691 / 746
Efficiency Ratio92.49%55.74%64.58%75.47%Beats 6%699 / 746
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.07%Beats 79%158 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio17.02%11.55%13.75%17.60%Beats 72%209 / 746
Total Risk-Based Capital Ratio17.02%11.71%14.33%18.43%Beats 69%229 / 746
Equity / Assets14.19%8.90%10.51%13.06%Beats 82%132 / 746
Liquidity & Funding
Loans / Deposits81.69%61.31%78.27%90.78%57th pctl322 / 746
Loans / Assets61.49%53.60%66.97%76.08%38th pctl463 / 746
Brokered Deposits / Depositsn/aNot reported for this institution