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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 0.13%, up 17 bps year over year; NIM at 1.84%.
  • 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 (quarter, annualized)

0.13%+17 bps YoY

Net Interest Margin (quarter, annualized)

1.84%+24 bps YoY

Efficiency Ratio (quarter, annualized)

91.84%-1,175 bps YoY

Tier 1 Leverage Ratio

14.88%+30 bps YoY

NIM

3.34%Q2 ’243.43%Q2 ’253.42%Q2 ’26+16%+15%

Non-interest income vs. expense

1.68%Q2 ’241.82%Q2 ’251.83%Q2 ’26+10%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.18%0.01%-0.03%0.09%0.03%0.16%0.13%+17 bps
Return on Equity-0.74%-1.27%0.07%-0.24%0.59%0.17%1.08%0.90%+113 bps
Net Interest Margin1.20%1.25%1.40%1.60%1.61%1.69%1.72%1.84%+24 bps
Efficiency Ratio113.76%119.76%100.38%103.59%94.48%98.54%89.69%91.84%-1,175 bps
Non-Interest Burden1.39%1.53%1.41%1.67%1.52%1.67%1.53%1.68%+1 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