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Dearborn Federal Savings Bank

Dearborn, MI · Cert 29874

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Dearborn Federal Savings Bank

Dearborn, MI · Cert 29874

State savings bank · OCC · 5 branches

Q2 2026

$306.6MAssets
$198.5MLoans
$198.2MDeposits
$77.1MEquity
Loan mix
100%RE $197.9M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $169.4M15%Noninterest $28.9MQ3 2024Q2 2026

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.1% share · #23 of 37 inst. · $0.2B of $183.9B

Executive Summary

  • Earnings: ROA of 0.07%, up 80 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.64% of loans (+64 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.86%, down 210 bps from a year ago.
  • Funding: loans stand at 100.12% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.07%+80 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+9 bps YoY

Efficiency Ratio (YTD, annualized)

96.82%-3,600 bps YoY

Tier 1 Leverage Ratio

25.86%-210 bps YoY

NIM

3.42%Q2 ’243.76%Q2 ’254.02%Q2 ’26+7%+4%

Non-interest income vs. expense

2.43%Q2 ’243.48%Q2 ’252.64%Q2 ’26+44%-25%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.03%-0.26%-0.73%-0.51%-0.50%0.14%0.07%+80 bps
Return on Equity-0.04%0.11%-0.90%-2.59%-1.82%-1.82%0.52%0.26%+286 bps
Net Interest Margin2.43%2.43%2.54%2.59%2.56%2.54%2.80%2.69%+9 bps
Efficiency Ratio102.60%100.03%106.99%132.82%122.59%121.71%93.83%96.82%-3,600 bps
Non-Interest Burden2.49%2.43%2.72%3.45%3.14%3.10%2.63%2.60%-85 bps
Growth
Asset Growth (YoY)-0.16%2.83%3.34%1.77%9.50%4.31%7.57%10.46%+868 bps
Loan Growth (YoY)4.68%2.76%0.32%-1.69%-1.13%-1.22%-1.74%-1.65%+4 bps
Deposit Growth (YoY)-4.46%0.25%0.51%1.46%13.62%8.90%10.49%15.12%+1,366 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.61%0.57%0.64%+64 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.75%0.75%0.81%0.81%0.81%0.81%0.82%0.82%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/a1.3x1.4x1.3xn/a
Capital
Tier 1 Leverage Ratio29.07%28.86%28.51%27.96%27.26%26.60%26.28%25.86%-210 bps
Total Risk-Based Capital53.11%52.26%28.51%27.96%27.26%26.60%26.28%25.86%-210 bps
Equity / Assets29.44%28.44%28.27%27.96%26.52%26.74%25.83%25.16%-281 bps
Liquidity & Funding
Loans / Deposits124.08%121.27%117.24%117.19%107.96%109.99%104.27%100.12%-1,707 bps
Liquid Assets / Assets20.21%22.89%24.15%22.79%20.04%17.45%19.49%18.26%-453 bps
CRE / Total Capitaln/an/an/an/a14.49%14.09%13.89%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

Dearborn Federal Savings Bank

Dearborn, MI · Cert 29874 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 5 branches

Q2 2026

$306.6MAssets
$198.5MLoans
$198.2MDeposits
$77.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets operating in a single state (rank 720 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.07%

Rank 716 of 746

Net Interest Margin

2.69%

Rank 681 of 746

Efficiency Ratio

96.82%

Rank 720 of 746

Equity / Assets

25.16%

Rank 20 of 746

Non-interest income vs. expense

$0.1M$7.9MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state
Bank 96.82%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.07%0.72%1.06%1.45%Beats 4%716 / 746
Return on Equity0.26%6.74%10.51%13.63%Beats 4%717 / 746
Net Interest Margin2.69%3.17%3.68%4.16%Beats 9%681 / 746
Efficiency Ratio96.82%55.74%64.58%75.47%Beats 4%720 / 746
Asset Quality
Nonperforming Loans / Loans0.64%0.09%0.42%1.07%Beats 40%445 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio25.86%11.55%13.75%17.60%Beats 92%59 / 746
Total Risk-Based Capital Ratio25.86%11.71%14.33%18.43%Beats 91%67 / 746
Equity / Assets25.16%8.90%10.51%13.06%Beats 97%20 / 746
Liquidity & Funding
Loans / Deposits100.12%61.31%78.27%90.78%90th pctl76 / 746
Loans / Assets64.73%53.60%66.97%76.08%44th pctl415 / 746
Brokered Deposits / Depositsn/aNot reported for this institution