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First Federal Savings Bank

Huntington, IN · Cert 29690 · Northeast Indiana Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$553.6MAssets
$419.9MLoans
$459.9MDeposits
$54.6MEquity
Loan mix
78%RE $334.6M20%C&I $85.9M1%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $397.8M14%Noninterest $62.1MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.48%Q2 ’255.48%Q2 ’26+8%+8%

Non-interest income vs. expense

2.37%Q2 ’242.18%Q2 ’252.28%Q2 ’26+2%+6%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 1.0% share · #16 of 26 inst. · $0.1B of $11.1B

32.1% Huntington
1.2% Allen
1.7% Kosciusko

Executive Summary

  • Earnings: ROA of 1.27%, up 25 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.88% of loans (+43 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.46%, up 49 bps from a year ago.
  • Funding: loans stand at 91.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+27 bps YoY

Efficiency Ratio (YTD, annualized)

57.43%-83 bps YoY

Tier 1 Leverage Ratio

10.46%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.12%1.17%1.17%1.27%+25 bps
Return on Equity11.72%12.72%13.03%12.25%13.21%+149 bps
Net Interest Margin3.17%3.22%3.23%3.37%3.44%+27 bps
Efficiency Ratio58.27%57.92%57.95%59.44%57.43%-83 bps
Non-Interest Burden1.70%1.71%1.72%1.86%1.80%+10 bps
Growth
Asset Growth (YoY)8.89%7.54%7.08%2.79%-0.54%-943 bps
Loan Growth (YoY)11.85%10.53%8.69%2.10%-2.49%-1,434 bps
Deposit Growth (YoY)10.49%8.43%6.23%3.59%0.60%-989 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.18%1.26%1.90%1.88%+43 bps
Net Charge-Offs / Loans0.46%0.30%0.23%0.00%0.03%-43 bps
Allowance / Loans1.53%1.53%1.53%1.58%1.64%+11 bps
Allowance Coverage of NPLs1.1x1.3x1.2x0.8x0.9x-0.2x
Capital
Tier 1 Leverage Ratio9.98%10.03%10.10%10.27%10.46%+49 bps
Total Risk-Based Capital9.98%10.03%10.10%10.27%10.46%+49 bps
Equity / Assets8.62%9.12%9.44%9.63%9.87%+125 bps
Liquidity & Funding
Loans / Deposits94.20%94.57%94.33%93.18%91.30%-290 bps
Liquid Assets / Assets2.67%2.58%2.50%2.49%3.77%+110 bps
CRE / Total Capitaln/a401%392%387%n/an/a