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First Savings Bank

Jeffersonville, IN · Cert 29961

FDIC · 16 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=291). 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

33

Q2 2024Q4 2025peer median (50)

Asset Quality

30

Q2 2024Q4 2025peer median (50)

Profitability

46

Q2 2024Q4 2025peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

51

Q2 2024Q4 2025peer 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

Jeffersonville, IN · Cert 29961

FDIC · 16 branches

Q4 2025

$2.4BAssets
$2.0BLoans
$1.7BDeposits
$228.8MEquity
Loan mix
94%RE $1.8B5%C&I $0.1B0%Consumer $0.0BQ4 2024Q4 2025
Deposit mix
88%Interest-bearing $1.5B12%Noninterest $0.2BQ4 2024Q4 2025

NIM

4.63%Q4 ’235.12%Q4 ’245.24%Q4 ’25-4%+12%

Non-interest income vs. expense

3.10%Q4 ’232.05%Q4 ’242.23%Q4 ’25-32%+5%

Market Position · Louisville/Jefferson County, KY-IN · 2025 SOD (annual) · 3.1% share · #8 of 43 inst. · $1.4B of $45.0B

22.8% Clark
25.2% Harrison
22.7% Daviess
100.0% Crawford

Executive Summary

  • Earnings: ROA of 1.13%, up 19 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.79% of loans (-8 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.55%, up 22 bps from a year ago.
  • Funding: loans stand at 114.64% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.13%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+31 bps YoY

Efficiency Ratio (YTD, annualized)

62.13%-272 bps YoY

Tier 1 Leverage Ratio

9.55%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.95%1.08%1.11%1.10%1.13%+19 bps
Return on Equity10.57%12.04%12.56%12.39%12.54%+197 bps
Net Interest Margin2.56%2.82%2.80%2.83%2.87%+31 bps
Efficiency Ratio64.85%65.73%63.24%62.31%62.13%-272 bps
Non-Interest Burden1.45%1.64%1.52%1.50%1.51%+7 bps
Growth
Asset Growth (YoY)3.48%0.41%0.90%-2.11%0.27%-321 bps
Loan Growth (YoY)2.44%2.13%0.24%-2.60%1.14%-130 bps
Deposit Growth (YoY)8.71%0.77%1.29%-9.09%-7.42%-1,613 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.65%0.78%0.75%0.79%-8 bps
Net Charge-Offs / Loans0.03%-0.03%0.02%0.05%0.04%+1 bps
Allowance / Loans1.07%1.04%1.04%1.04%1.06%-1 bps
Allowance Coverage of NPLs1.2x1.6x1.3x1.4x1.3x+0.1x
Capital
Tier 1 Leverage Ratio9.33%9.08%9.03%9.25%9.55%+22 bps
Total Risk-Based Capital13.01%12.36%12.47%12.58%13.04%+3 bps
Equity / Assets9.22%8.67%8.64%9.10%9.55%+34 bps
Liquidity & Funding
Loans / Deposits104.95%108.30%113.60%114.17%114.64%+970 bps
Liquid Assets / Assets2.46%0.42%1.44%0.70%0.59%-186 bps
CRE / Total Capitaln/an/an/a484%477%n/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

Jeffersonville, IN · Cert 29961 · Peer group: banks $1B-$10B in assets operating in a single state (n=291)

FDIC · 16 branches

Q4 2025

$2.4BAssets
$2.0BLoans
$1.7BDeposits
$228.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 60% of banks $1B-$10B in assets operating in a single state (rank 115 of 291).
  • Widest gap: brokered deposits / deposits trails 82% of banks $1B-$10B in assets operating in a single state (rank 240 of 291).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.13%

Rank 130 of 291

Net Interest Margin

2.87%

Rank 220 of 291

Efficiency Ratio

62.32%

Rank 143 of 291

Equity / Assets

9.55%

Rank 185 of 291

Non-interest income vs. expense

$17.4M$54.0MINCOMEEXPENSE
Unfavorable gap of $36.7M · efficiency ratio beats 51% of banks $1B-$10B in assets operating in a single state
Bank 62.32%Peer median 62.4%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.77%1.08%1.38%Beats 55%130 / 291
Return on Equity11.86%7.32%10.65%13.44%Beats 60%115 / 291
Net Interest Margin2.87%2.87%3.26%3.64%Beats 24%220 / 291
Efficiency Ratio62.32%53.70%62.43%71.11%Beats 51%143 / 291
Asset Quality
Nonperforming Loans / Loans0.79%0.20%0.45%0.94%Beats 30%205 / 291
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.90%11.63%13.30%15.17%Beats 29%207 / 291
Total Risk-Based Capital Ratio13.04%12.45%14.22%16.30%Beats 34%193 / 291
Equity / Assets9.55%9.03%10.11%11.78%Beats 36%185 / 291
Liquidity & Funding
Loans / Deposits114.64%73.51%85.84%95.31%94th pctl17 / 291
Loans / Assets81.50%62.85%72.57%78.58%83rd pctl49 / 291
Brokered Deposits / Deposits10.87%n/a1.32%7.87%Beats 18%240 / 291