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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 $0.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $169.4M15%Noninterest $28.9MQ2 2025Q2 2026

NIM

3.49%Q2 ’243.82%Q2 ’253.94%Q2 ’26+8%-2%

Non-interest income vs. expense

2.41%Q2 ’244.23%Q2 ’252.66%Q2 ’26+77%-38%

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 0.00%, up 121 bps year over year; NIM at 2.61%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.00%+121 bps YoY

Net Interest Margin (quarter, annualized)

2.61%-5 bps YoY

Efficiency Ratio (quarter, annualized)

99.95%-5,742 bps YoY

Tier 1 Leverage Ratio

25.86%-210 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.21%-0.07%-0.49%0.14%0.00%+121 bps
Return on Equity-4.29%-0.27%-1.82%0.52%0.01%+430 bps
Net Interest Margin2.66%2.62%2.62%2.80%2.61%-5 bps
Efficiency Ratio157.37%102.91%119.22%93.83%99.95%-5,742 bps
Non-Interest Burden4.21%2.69%3.14%2.63%2.61%-159 bps
Growth
Asset Growth (YoY)1.77%9.50%4.31%7.57%10.46%+868 bps
Loan Growth (YoY)-1.69%-1.13%-1.22%-1.74%-1.65%+4 bps
Deposit Growth (YoY)1.46%13.62%8.90%10.49%15.12%+1,366 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.61%0.57%0.64%+64 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.81%0.81%0.81%0.82%0.82%+1 bps
Allowance Coverage of NPLsn/an/a1.3x1.4x1.3xn/a
Capital
Tier 1 Leverage Ratio27.96%27.26%26.60%26.28%25.86%-210 bps
Total Risk-Based Capital27.96%27.26%26.60%26.28%25.86%-210 bps
Equity / Assets27.96%26.52%26.74%25.83%25.16%-281 bps
Liquidity & Funding
Loans / Deposits117.19%107.96%109.99%104.27%100.12%-1,707 bps
Liquid Assets / Assets22.79%20.04%17.45%19.49%18.26%-453 bps
CRE / Total Capitaln/a14.49%14.09%13.89%n/an/a