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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 $0.4MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $498.2M14%Noninterest $79.9MQ3 2024Q2 2026

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 0.53%, up 18 bps year over year; NIM at 2.95%.
  • 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.

Return on Assets (quarter, annualized)

0.53%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+40 bps YoY

Efficiency Ratio (quarter, annualized)

74.81%-842 bps YoY

Tier 1 Leverage Ratio

11.90%+24 bps YoY

NIM

3.54%Q2 ’243.88%Q2 ’254.17%Q2 ’26+12%+16%

Non-interest income vs. expense

2.33%Q2 ’242.39%Q2 ’252.45%Q2 ’26+3%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.35%0.24%0.35%0.35%0.45%0.44%0.53%+18 bps
Return on Equity3.08%3.44%2.40%3.37%3.29%4.17%4.04%4.90%+153 bps
Net Interest Margin2.40%2.40%2.40%2.55%2.71%2.74%2.75%2.95%+40 bps
Efficiency Ratio87.19%84.87%88.48%83.23%85.42%81.26%81.80%74.81%-842 bps
Non-Interest Burden2.04%1.97%2.08%2.07%2.27%2.17%2.19%2.13%+6 bps
Growth
Asset Growth (YoY)2.40%2.18%6.74%2.91%4.46%3.99%1.62%2.92%0 bps
Loan Growth (YoY)11.11%5.80%5.41%3.58%0.64%1.11%1.15%3.38%-20 bps
Deposit Growth (YoY)2.53%2.80%4.31%1.36%3.40%2.87%0.80%2.27%+91 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.03%0.17%0.18%0.00%0.00%0.04%-13 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%1.00%1.01%1.02%1.02%1.04%1.03%1.03%+1 bps
Allowance Coverage of NPLsn/an/a32.8x6.1x5.8xn/an/a26.6x+20.5x
Capital
Tier 1 Leverage Ratio11.78%11.77%11.69%11.66%11.69%11.77%11.89%11.90%+24 bps
Total Risk-Based Capital21.55%21.87%22.01%22.03%22.47%22.87%22.28%22.05%+1 bps
Equity / Assets10.39%9.97%10.18%10.47%10.77%10.93%10.79%10.93%+46 bps
Liquidity & Funding
Loans / Deposits74.17%72.57%70.58%72.94%72.20%71.34%70.83%73.73%+79 bps
Liquid Assets / Assets2.05%5.82%8.63%8.46%11.74%10.02%7.85%6.02%-243 bps
CRE / Total Capitaln/an/an/an/a187.89%184.20%189.82%n/an/a