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First Federal Savings and Loan Association of McMinnville

McMinnville, OR · Cert 29624

SL · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

91

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

27

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 McMinnville

McMinnville, OR · Cert 29624

SL · OCC · 6 branches

Q2 2026

$678.7MAssets
$426.3MLoans
$578.1MDeposits
$74.2MEquity
Loan mix
98%RE $392.6M2%C&I $9.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $498.2M14%Noninterest $79.9MQ2 2025Q2 2026

NIM

3.50%Q2 ’243.81%Q2 ’254.08%Q2 ’26+8%+15%

Non-interest income vs. expense

2.38%Q2 ’242.39%Q2 ’252.48%Q2 ’26+1%+4%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.9% share · #11 of 26 inst. · $0.6B of $65.4B

Executive Summary

  • Earnings: ROA of 0.49%, up 19 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.04% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.90%, up 24 bps from a year ago.
  • Funding: loans stand at 73.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+38 bps YoY

Efficiency Ratio (YTD, annualized)

78.19%-759 bps YoY

Tier 1 Leverage Ratio

11.90%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.31%0.35%0.44%0.49%+19 bps
Return on Equity2.90%3.03%3.33%4.04%4.47%+156 bps
Net Interest Margin2.46%2.54%2.58%2.75%2.84%+38 bps
Efficiency Ratio85.77%85.65%84.49%81.80%78.19%-759 bps
Non-Interest Burden2.06%2.12%2.13%2.19%2.15%+8 bps
Growth
Asset Growth (YoY)2.91%4.46%3.99%1.62%2.92%0 bps
Loan Growth (YoY)3.58%0.64%1.11%1.15%3.38%-20 bps
Deposit Growth (YoY)1.36%3.40%2.87%0.80%2.27%+91 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.18%0.00%0.00%0.04%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.02%1.04%1.03%1.03%+1 bps
Allowance Coverage of NPLs6.1x5.8xn/an/a26.6x+20.5x
Capital
Tier 1 Leverage Ratio11.66%11.69%11.77%11.89%11.90%+24 bps
Total Risk-Based Capital22.03%22.47%22.87%22.28%22.05%+1 bps
Equity / Assets10.47%10.77%10.93%10.79%10.93%+46 bps
Liquidity & Funding
Loans / Deposits72.94%72.20%71.34%70.83%73.73%+79 bps
Liquid Assets / Assets8.46%11.74%10.02%7.85%6.02%-243 bps
CRE / Total Capitaln/a187.89%184.20%189.82%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 McMinnville

McMinnville, OR · Cert 29624 · Peer group: banks under $1B in assets (n=581-629)

SL · OCC · 6 branches

Q2 2026

$678.7MAssets
$426.3MLoans
$578.1MDeposits
$74.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 82% of banks under $1B in assets (rank 518 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.48%

Rank 508 of 629

Net Interest Margin

2.84%

Rank 518 of 629

Efficiency Ratio

78.19%

Rank 461 of 629

Equity / Assets

10.93%

Rank 294 of 629

Non-interest income vs. expense

$2.3M$17.0MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 27% of banks under $1B in assets
Bank 78.19%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.60%1.01%1.45%Beats 19%508 / 629
Return on Equity4.43%5.38%9.30%13.28%Beats 20%505 / 629
Net Interest Margin2.84%3.03%3.54%4.05%Beats 18%518 / 629
Efficiency Ratio78.19%58.35%67.79%79.08%Beats 27%461 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 82%105 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio20.86%11.24%13.84%18.77%Beats 79%130 / 629
Total Risk-Based Capital Ratio22.05%11.58%14.43%19.66%Beats 80%128 / 629
Equity / Assets10.93%9.09%10.65%13.80%Beats 53%294 / 629
Liquidity & Funding
Loans / Deposits73.73%67.24%80.90%93.48%36th pctl378 / 594
Loans / Assets62.81%53.31%67.71%78.15%40th pctl376 / 629
Brokered Deposits / Depositsn/aNot reported for this institution