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First Federal Savings and Loan Association of Greensburg

Greensburg, IN · Cert 30058

State savings bank · OCC · 3 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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

17

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 Federal Savings and Loan Association of Greensburg

Greensburg, IN · Cert 30058

State savings bank · OCC · 3 branches

Q2 2026

$159.5MAssets
$88.0MLoans
$141.4MDeposits
$17.9MEquity
Loan mix
96%RE $83.1M1%C&I $1.2M3%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $128.3M9%Noninterest $13.0MQ2 2025Q2 2026

NIM

3.56%Q2 ’243.51%Q2 ’253.59%Q2 ’26+18%+9%

Non-interest income vs. expense

2.04%Q2 ’242.23%Q2 ’252.16%Q2 ’26+2%-4%

Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.0% share · #40 of 49 inst. · $0.0B of $91.8B

12.6% Decatur
2.2% Shelby

Executive Summary

  • Earnings: ROA of 0.48%, up 24 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 1.18% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.33%, up 12 bps from a year ago.
  • Funding: loans stand at 62.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+20 bps YoY

Efficiency Ratio (YTD, annualized)

80.09%-974 bps YoY

Tier 1 Leverage Ratio

12.33%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.34%0.40%0.45%0.48%+24 bps
Return on Equity2.30%3.19%3.63%3.81%4.15%+185 bps
Net Interest Margin2.23%2.41%2.34%2.58%2.44%+20 bps
Efficiency Ratio89.83%85.00%83.09%81.42%80.09%-974 bps
Non-Interest Burden1.98%2.01%1.89%2.05%1.90%-8 bps
Growth
Asset Growth (YoY)-9.94%-8.12%-3.98%-1.74%4.99%+1,493 bps
Loan Growth (YoY)3.00%-1.41%-2.25%-1.09%0.01%-298 bps
Deposit Growth (YoY)-11.73%-9.52%-5.82%-2.93%4.52%+1,624 bps
Asset Quality
Nonperforming Loans / Loans1.32%1.11%1.07%1.13%1.18%-14 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.00%0.00%0 bps
Allowance / Loans1.43%1.45%1.45%1.43%1.41%-1 bps
Allowance Coverage of NPLs1.1x1.3x1.4x1.3x1.2x+0.1x
Capital
Tier 1 Leverage Ratio12.21%13.16%12.56%13.35%12.33%+12 bps
Total Risk-Based Capital24.09%25.12%25.02%25.56%24.96%+86 bps
Equity / Assets10.80%11.70%11.60%11.99%11.19%+39 bps
Liquidity & Funding
Loans / Deposits65.09%66.73%64.07%67.60%62.28%-280 bps
Liquid Assets / Assets5.64%3.73%8.54%4.86%12.34%+670 bps
CRE / Total Capitaln/a38.65%42.01%40.42%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 Federal Savings and Loan Association of Greensburg

Greensburg, IN · Cert 30058 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 3 branches

Q2 2026

$159.5MAssets
$88.0MLoans
$141.4MDeposits
$17.9MEquity

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: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 707 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.46%

Rank 639 of 746

Net Interest Margin

2.44%

Rank 707 of 746

Efficiency Ratio

80.09%

Rank 617 of 746

Equity / Assets

11.19%

Rank 305 of 746

Non-interest income vs. expense

$0.4M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state
Bank 80.09%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.72%1.06%1.45%Beats 14%639 / 746
Return on Equity4.10%6.74%10.51%13.63%Beats 15%637 / 746
Net Interest Margin2.44%3.17%3.68%4.16%Beats 5%707 / 746
Efficiency Ratio80.09%55.74%64.58%75.47%Beats 17%617 / 746
Asset Quality
Nonperforming Loans / Loans1.18%0.09%0.42%1.07%Beats 23%574 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio23.71%11.55%13.75%17.60%Beats 90%76 / 746
Total Risk-Based Capital Ratio24.96%11.71%14.33%18.43%Beats 90%74 / 746
Equity / Assets11.19%8.90%10.51%13.06%Beats 59%305 / 746
Liquidity & Funding
Loans / Deposits62.28%61.31%78.27%90.78%26th pctl553 / 746
Loans / Assets55.21%53.60%66.97%76.08%27th pctl541 / 746
Brokered Deposits / Depositsn/aNot reported for this institution