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Letter portraitLegal landscapeQuarterYTD

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 $6.0MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $720.2M20%Noninterest $177.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.47%1.46%1.55%1.61%1.66%1.76%1.86%+31 bps
Return on Equity17.32%17.63%17.30%18.32%18.80%19.18%19.67%20.97%+265 bps
Net Interest Margin3.18%3.10%3.31%3.44%3.51%3.49%3.72%3.60%+16 bps
Efficiency Ratio49.98%49.54%49.43%48.29%47.84%47.09%44.89%43.43%-486 bps
Non-Interest Burden1.38%1.33%1.44%1.44%1.45%1.41%1.40%1.30%-14 bps
Growth
Asset Growth (YoY)11.23%11.88%7.60%7.79%5.46%5.64%11.97%17.40%+961 bps
Loan Growth (YoY)8.10%7.88%7.90%10.77%11.42%13.82%14.60%13.93%+316 bps
Deposit Growth (YoY)11.56%12.07%7.34%7.54%4.83%2.68%8.83%17.22%+968 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.14%0.09%0.11%0.09%0.17%0.14%0.08%-3 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans0.98%0.98%0.98%0.99%0.99%0.99%0.99%0.99%0 bps
Allowance Coverage of NPLs7.6x6.9x11.1x9.5x10.4x5.8x6.9x12.8x+3.3x
Capital
Tier 1 Leverage Ratio9.07%8.90%9.15%9.37%9.54%9.52%9.65%9.40%+3 bps
Total Risk-Based Capital13.45%13.75%13.65%13.52%13.40%13.50%13.45%13.82%+30 bps
Equity / Assets8.41%8.33%8.55%8.57%8.84%8.99%8.87%8.75%+19 bps
Liquidity & Funding
Loans / Deposits83.28%81.92%85.66%87.31%88.52%90.81%90.20%84.86%-245 bps
Liquid Assets / Assets12.03%13.32%9.32%7.39%7.19%6.91%7.89%11.28%+389 bps
CRE / Total Capitaln/an/an/an/a295%293%293%n/an/a