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First Mutual Bank, FSB

Belpre, OH · Cert 29617 · First Mutual Holding Co.

State savings bank · OCC · 3 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 regionally3

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 regionally (n=94). 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

11

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 Mutual Bank, FSB

Belpre, OH · Cert 29617 · First Mutual Holding Co.

State savings bank · OCC · 4 affiliate banks · 3 branches (26 in holding)

Q2 2026

$109.9MAssets
$67.9MLoans
$90.6MDeposits
$10.8MEquity
Loan mix
98%RE $66.5M1%C&I $0.4M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $83.5M8%Noninterest $7.1MQ2 2025Q2 2026

NIM

3.67%Q2 ’243.63%Q2 ’253.52%Q2 ’26+34%-5%

Non-interest income vs. expense

2.17%Q2 ’242.53%Q2 ’252.45%Q2 ’26+14%-4%

Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 0.7% share · #9 of 9 inst. · $0.0B of $2.3B

7.1% Wetzel
1.2% Washington
0.7% Wood

Executive Summary

  • Earnings: ROA of 0.29%, down 3 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.55% of loans (+6 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.60%, up 19 bps from a year ago.
  • Funding: loans stand at 74.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-12 bps YoY

Efficiency Ratio (YTD, annualized)

86.77%+66 bps YoY

Tier 1 Leverage Ratio

9.60%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.27%0.27%0.19%0.29%-3 bps
Return on Equity3.67%3.04%2.93%2.02%3.04%-62 bps
Net Interest Margin2.61%2.63%2.56%2.47%2.50%-12 bps
Efficiency Ratio86.12%88.92%90.26%89.76%86.77%+66 bps
Non-Interest Burden2.12%2.22%2.19%2.10%2.04%-8 bps
Growth
Asset Growth (YoY)-20.81%-2.82%0.79%-0.82%-0.33%+2,048 bps
Loan Growth (YoY)2.12%2.99%-1.84%-2.28%-4.36%-648 bps
Deposit Growth (YoY)-6.28%-1.51%1.68%0.68%3.07%+935 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.48%0.90%0.90%0.55%+6 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.16%0.08%+3 bps
Allowance / Loans0.82%0.79%0.76%0.76%0.76%-6 bps
Allowance Coverage of NPLs1.7x1.7x0.8x0.8x1.4x-0.3x
Capital
Tier 1 Leverage Ratio9.41%9.57%9.44%9.51%9.60%+19 bps
Total Risk-Based Capital18.51%18.18%19.07%19.47%19.61%+110 bps
Equity / Assets9.10%9.52%9.52%9.65%9.81%+71 bps
Liquidity & Funding
Loans / Deposits80.73%79.49%76.02%74.66%74.91%-581 bps
Liquid Assets / Assets3.95%3.99%6.52%6.09%6.05%+210 bps
CRE / Total Capitaln/a49.71%52.16%50.57%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 Mutual Bank, FSB

Belpre, OH · Cert 29617 · Peer group: banks under $1B in assets operating regionally (n=94) · First Mutual Holding Co.

State savings bank · OCC · 4 affiliate banks · 3 branches (26 in holding)

Q2 2026

$109.9MAssets
$67.9MLoans
$90.6MDeposits
$10.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets operating regionally (rank 11 of 94).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets operating regionally (rank 93 of 94).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.30%

Rank 87 of 94

Net Interest Margin

2.50%

Rank 93 of 94

Efficiency Ratio

86.90%

Rank 85 of 94

Equity / Assets

9.81%

Rank 58 of 94

Non-interest income vs. expense

$0.5M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 11% of banks under $1B in assets operating regionally
Bank 86.90%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.82%1.19%1.46%Beats 7%87 / 94
Return on Equity3.02%7.85%11.84%14.03%Beats 10%85 / 94
Net Interest Margin2.50%3.42%3.81%4.18%Beats 1%93 / 94
Efficiency Ratio86.90%55.99%62.41%73.02%Beats 11%85 / 94
Asset Quality
Nonperforming Loans / Loans0.55%0.19%0.47%1.14%Beats 47%51 / 94
Net Charge-Offs / Loans0.04%0.00%0.02%0.05%Beats 36%61 / 94
Capital
Tier 1 Capital Ratio18.65%10.28%11.95%15.07%Beats 88%11 / 94
Total Risk-Based Capital Ratio19.61%10.31%12.59%15.88%Beats 88%11 / 94
Equity / Assets9.81%8.98%10.21%11.41%Beats 38%58 / 94
Liquidity & Funding
Loans / Deposits74.91%72.62%84.44%94.55%29th pctl67 / 94
Loans / Assets61.78%62.50%72.84%78.99%21st pctl74 / 94
Brokered Deposits / Depositsn/aNot reported for this institution