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First Savings Bank of Hegewisch

Chicago, IL · Cert 29809

SI · FDIC · 14 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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 Savings Bank of Hegewisch

Chicago, IL · Cert 29809

SI · FDIC · 14 branches

Q2 2026

$787.0MAssets
$354.0MLoans
$666.6MDeposits
$118.1MEquity
Loan mix
100%RE $355.7M0%C&I $0.0M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $597.4M10%Noninterest $69.1MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #61 of 147 inst. · $0.7B of $630.7B

0.1% Cook
1.1% Lake
0.1% Will

Executive Summary

  • Earnings: ROA of 0.15%, up 16 bps year over year; NIM at 1.78%.
  • Asset quality: problem loans at 0.06% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.88%, up 30 bps from a year ago.
  • Funding: loans stand at 53.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%+16 bps YoY

Net Interest Margin (YTD, annualized)

1.78%+27 bps YoY

Efficiency Ratio (YTD, annualized)

90.80%-1,128 bps YoY

Tier 1 Leverage Ratio

14.88%+30 bps YoY

NIM

3.28%Q2 ’243.42%Q2 ’253.39%Q2 ’26+9%+18%

Non-interest income vs. expense

1.62%Q2 ’241.70%Q2 ’251.75%Q2 ’26+6%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%-0.09%0.01%-0.01%0.02%0.02%0.16%0.15%+16 bps
Return on Equity-0.37%-0.59%0.07%-0.09%0.14%0.15%1.08%0.99%+107 bps
Net Interest Margin1.31%1.28%1.40%1.51%1.55%1.59%1.72%1.78%+27 bps
Efficiency Ratio107.22%110.29%100.38%102.08%99.44%99.20%89.69%90.80%-1,128 bps
Non-Interest Burden1.43%1.44%1.41%1.55%1.54%1.58%1.53%1.61%+6 bps
Growth
Asset Growth (YoY)0.94%3.12%1.55%0.47%-0.30%-2.84%-1.67%-1.59%-206 bps
Loan Growth (YoY)-5.56%-5.44%-5.10%-4.76%-3.28%-4.04%-4.27%-4.06%+70 bps
Deposit Growth (YoY)1.12%3.69%1.87%0.51%-0.38%-3.40%-2.10%-1.95%-246 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.07%0.08%0.04%0.05%0.14%0.06%0.06%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.54%0.53%0.53%0.53%0.52%0.53%0.53%0.52%-1 bps
Allowance Coverage of NPLs4.5x7.8x6.6x13.4x9.9x3.7x8.8x8.7x-4.7x
Capital
Tier 1 Leverage Ratio14.68%14.45%14.34%14.58%14.63%14.69%14.72%14.88%+30 bps
Total Risk-Based Capital14.68%14.45%14.34%38.31%14.63%14.69%14.72%39.51%+120 bps
Equity / Assets14.61%14.35%14.48%14.66%14.62%14.79%14.79%15.00%+34 bps
Liquidity & Funding
Loans / Deposits55.43%53.87%53.78%54.28%53.82%53.51%52.59%53.11%-117 bps
Liquid Assets / Assets49.95%51.20%51.26%50.93%51.30%51.59%52.51%52.10%+117 bps
CRE / Total Capitaln/an/an/an/a2.90%2.99%3.06%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 Savings Bank of Hegewisch

Chicago, IL · Cert 29809 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 14 branches

Q2 2026

$787.0MAssets
$354.0MLoans
$666.6MDeposits
$118.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.15%

Rank 50 of 57

Net Interest Margin

1.78%

Rank 56 of 57

Efficiency Ratio

91.05%

Rank 50 of 57

Equity / Assets

15.00%

Rank 15 of 57

Non-interest income vs. expense

$1.1M$13.9MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 14% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 91.05%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%0.51%0.84%1.19%Beats 12%50 / 57
Return on Equity0.99%3.13%7.76%11.40%Beats 16%48 / 57
Net Interest Margin1.78%3.16%3.63%4.08%Beats 2%56 / 57
Efficiency Ratio91.05%59.57%69.70%81.06%Beats 14%50 / 57
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.34%1.78%Beats 75%15 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio38.89%12.24%16.06%19.69%Beats 95%3 / 57
Total Risk-Based Capital Ratio39.51%12.54%16.50%20.95%Beats 95%3 / 57
Equity / Assets15.00%9.37%11.56%15.00%Beats 74%15 / 57
Liquidity & Funding
Loans / Deposits53.11%66.29%85.59%95.16%7th pctl53 / 57
Loans / Assets44.98%57.07%71.07%78.13%7th pctl53 / 57
Brokered Deposits / Depositsn/aNot reported for this institution