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Mid-Southern Savings Bank, F.S.B.

Salem, IN · Cert 30133

FDIC · 3 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 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 under $1B in assets (n=547 to 599). 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

66

Q2 2024Q1 2025peer median (50)

Asset Quality

54

Q2 2024Q1 2025peer median (50)

Profitability

69

Q2 2024Q1 2025peer median (50)

Liquidity

69

Q2 2024Q1 2025peer median

Efficiency

75

Q2 2024Q1 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

Mid-Southern Savings Bank, F.S.B.

Salem, IN · Cert 30133

FDIC · 3 branches

Q1 2025

$228.0MAssets
$129.5MLoans
$192.1MDeposits
$34.9MEquity
Loan mix
91%RE $103.9M8%C&I $8.8M1%Consumer $1.2MQ1 2024Q1 2025
Deposit mix
56%Interest-bearing $107.4M44%Noninterest $84.7MQ1 2024Q1 2025

NIM

3.64%Q1 ’234.13%Q1 ’244.81%Q1 ’25+5%+36%

Non-interest income vs. expense

2.39%Q1 ’232.38%Q1 ’242.57%Q1 ’250%+7%

Market Position · Louisville/Jefferson County, KY-IN · 2024 SOD (annual) · 0.2% share · #30 of 44 inst. · $0.1B of $43.4B

26.0% Washington
20.1% Orange
7.9% Lawrence

Executive Summary

  • Earnings: ROA of 1.44%, up 77 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.24% of loans (+3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.55%, down 13 bps from a year ago.
  • Funding: loans stand at 67.42% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.44%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+101 bps YoY

Efficiency Ratio (YTD, annualized)

60.02%-1,384 bps YoY

Tier 1 Leverage Ratio

15.55%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.67%0.80%0.85%-2.57%1.44%+77 bps
Return on Equity5.13%5.99%6.20%-18.42%9.45%+433 bps
Net Interest Margin2.83%3.14%3.23%3.33%3.85%+101 bps
Efficiency Ratio73.86%73.61%73.12%71.62%60.02%-1,384 bps
Non-Interest Burden1.99%2.20%2.24%2.26%2.14%+14 bps
Growth
Asset Growth (YoY)-9.65%-10.85%-13.02%-16.19%-5.16%+449 bps
Loan Growth (YoY)-3.69%-6.91%-4.60%-8.04%-10.04%-634 bps
Deposit Growth (YoY)-1.80%-2.24%-7.06%-7.10%-5.46%-366 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.24%0.18%0.24%0.24%+3 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.47%1.46%1.47%1.43%1.43%-5 bps
Allowance Coverage of NPLs7.2x6.0x8.1x5.9x6.0x-1.2x
Capital
Tier 1 Leverage Ratio15.68%17.33%17.80%14.75%15.55%-13 bps
Total Risk-Based Capital15.68%17.33%17.80%14.75%15.55%-13 bps
Equity / Assets13.59%13.84%14.99%15.13%15.32%+173 bps
Liquidity & Funding
Loans / Deposits70.85%69.87%71.57%71.03%67.42%-343 bps
Liquid Assets / Assets3.03%5.29%3.66%32.50%35.94%+3,291 bps
CRE / Total Capitaln/an/an/an/an/an/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

Mid-Southern Savings Bank, F.S.B.

Salem, IN · Cert 30133 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 3 branches

Q1 2025

$228.0MAssets
$129.5MLoans
$192.1MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 82% of banks under $1B in assets (rank 105 of 598).
  • Widest gap: net charge-offs / loans trails 50% of banks under $1B in assets (rank 280 of 547).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.43%

Rank 137 of 599

Net Interest Margin

3.85%

Rank 148 of 598

Efficiency Ratio

60.02%

Rank 148 of 598

Equity / Assets

15.32%

Rank 105 of 598

Non-interest income vs. expense

$1.0M$5.9MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 75% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.47%0.86%1.38%Beats 77%137 / 599
Return on Equity9.34%4.56%8.90%12.65%Beats 54%276 / 598
Net Interest Margin3.85%2.82%3.31%3.84%Beats 75%148 / 598
Efficiency Ratio60.02%60.53%70.73%82.91%Beats 75%148 / 598
Asset Quality
Nonperforming Loans / Loans0.24%0.06%0.34%0.91%Beats 58%230 / 547
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 50%280 / 547
Capital
Tier 1 Capital Ratio15.55%11.11%13.78%18.22%Beats 61%234 / 598
Total Risk-Based Capital Ratio15.55%11.62%14.42%19.14%Beats 56%262 / 598
Equity / Assets15.32%8.34%10.07%12.96%Beats 82%105 / 598
Liquidity & Funding
Loans / Deposits67.42%60.71%77.02%90.89%32nd pctl381 / 561
Loans / Assets56.83%54.47%67.19%77.36%29th pctl389 / 547
Brokered Deposits / Depositsn/aNot reported for this institution