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First Federal Community Bank, National Association

Dover, OH · Cert 29787 · FFD Financial Corp.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

94

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 Community Bank, National Association

Dover, OH · Cert 29787 · FFD Financial Corp.

National charter · OCC · 8 branches

Q2 2026

$994.6MAssets
$761.4MLoans
$897.2MDeposits
$87.1MEquity
Loan mix
91%RE $675.0M8%C&I $62.3M1%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $720.2M20%Noninterest $177.0MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.26%Q2 ’255.29%Q2 ’26+8%+5%

Non-interest income vs. expense

1.80%Q2 ’241.86%Q2 ’251.76%Q2 ’26+4%-10%

Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.3% share · #16 of 18 inst. · $0.0B of $10.7B

29.4% Tuscarawas
12.1% Holmes
0.4% Stark

Executive Summary

  • Earnings: ROA of 1.86%, up 31 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.08% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.40%, up 3 bps from a year ago.
  • Funding: loans stand at 84.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+16 bps YoY

Efficiency Ratio (YTD, annualized)

43.43%-486 bps YoY

Tier 1 Leverage Ratio

9.40%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.61%1.66%1.76%1.86%+31 bps
Return on Equity18.32%18.80%19.18%19.67%20.97%+265 bps
Net Interest Margin3.44%3.51%3.49%3.72%3.60%+16 bps
Efficiency Ratio48.29%47.84%47.09%44.89%43.43%-486 bps
Non-Interest Burden1.44%1.45%1.41%1.40%1.30%-14 bps
Growth
Asset Growth (YoY)7.79%5.46%5.64%11.97%17.40%+961 bps
Loan Growth (YoY)10.77%11.42%13.82%14.60%13.93%+316 bps
Deposit Growth (YoY)7.54%4.83%2.68%8.83%17.22%+968 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.17%0.14%0.08%-3 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans0.99%0.99%0.99%0.99%0.99%0 bps
Allowance Coverage of NPLs9.5x10.4x5.8x6.9x12.8x+3.3x
Capital
Tier 1 Leverage Ratio9.37%9.54%9.52%9.65%9.40%+3 bps
Total Risk-Based Capital13.52%13.40%13.50%13.45%13.82%+30 bps
Equity / Assets8.57%8.84%8.99%8.87%8.75%+19 bps
Liquidity & Funding
Loans / Deposits87.31%88.52%90.81%90.20%84.86%-245 bps
Liquid Assets / Assets7.39%7.19%6.91%7.89%11.28%+389 bps
CRE / Total Capitaln/a295%293%293%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 Community Bank, National Association

Dover, OH · Cert 29787 · Peer group: banks under $1B in assets in OH (n=68-71) · FFD Financial Corp.

National charter · OCC · 8 branches

Q2 2026

$994.6MAssets
$761.4MLoans
$897.2MDeposits
$87.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in OH (rank 5 of 71).
  • Widest gap: equity / assets trails 75% of banks under $1B in assets in OH (rank 53 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.76%

Rank 9 of 71

Net Interest Margin

3.60%

Rank 31 of 71

Efficiency Ratio

43.43%

Rank 5 of 71

Equity / Assets

8.75%

Rank 53 of 71

Non-interest income vs. expense

$4.5M$17.0MINCOMEEXPENSE
Unfavorable gap of $12.5M · efficiency ratio beats 94% of banks under $1B in assets in OH
Bank 43.43%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.62%1.02%1.39%Beats 87%9 / 71
Return on Equity20.09%5.62%10.07%13.60%Beats 92%6 / 71
Net Interest Margin3.60%2.93%3.56%4.07%Beats 56%31 / 71
Efficiency Ratio43.43%55.94%70.77%78.80%Beats 94%5 / 71
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.27%0.97%Beats 76%17 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 53%33 / 68
Capital
Tier 1 Capital Ratio12.74%11.18%13.77%20.34%Beats 35%46 / 71
Total Risk-Based Capital Ratio13.82%12.08%14.34%21.24%Beats 45%39 / 71
Equity / Assets8.75%8.41%10.74%13.32%Beats 25%53 / 71
Liquidity & Funding
Loans / Deposits84.86%64.48%76.81%87.49%69th pctl21 / 68
Loans / Assets76.55%55.33%65.58%72.51%80th pctl14 / 71
Brokered Deposits / Depositsn/aNot reported for this institution