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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