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First Federal Bank Littlefield, Texas, SSB

Littlefield, TX · Cert 30291

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

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 in TX (n=208 to 211). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

11

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 Bank Littlefield, Texas, SSB

Littlefield, TX · Cert 30291

SI · FDIC · 1 branch

Q2 2026

$67.9MAssets
$42.5MLoans
$55.7MDeposits
$11.8MEquity
Loan mix
69%RE $20.0M13%C&I $3.8M18%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $40.8M27%Noninterest $14.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.56%, down 4 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.44% of loans (-49 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.40%, down 158 bps from a year ago.
  • Funding: loans stand at 76.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.56%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.37%-5 bps YoY

Efficiency Ratio (YTD, annualized)

84.74%+199 bps YoY

Tier 1 Leverage Ratio

17.40%-158 bps YoY

NIM

6.36%Q2 ’246.27%Q2 ’256.01%Q2 ’26-3%-1%

Non-interest income vs. expense

4.29%Q2 ’243.90%Q2 ’253.93%Q2 ’26-12%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.38%0.58%0.60%0.63%0.54%0.59%0.56%-4 bps
Return on Equity1.89%1.97%3.06%3.21%3.46%2.95%3.38%3.22%+1 bps
Net Interest Margin4.56%4.56%4.36%4.42%4.21%4.33%4.32%4.37%-5 bps
Efficiency Ratio89.86%89.64%82.88%82.75%82.16%85.23%83.74%84.74%+199 bps
Non-Interest Burden4.07%4.06%3.56%3.60%3.41%3.65%3.58%3.66%+6 bps
Growth
Asset Growth (YoY)8.96%7.24%4.53%9.03%14.35%10.27%13.42%7.36%-167 bps
Loan Growth (YoY)5.15%17.50%8.68%0.47%1.02%3.72%-2.46%-6.17%-664 bps
Deposit Growth (YoY)10.27%8.43%4.89%10.59%17.28%11.76%15.98%8.52%-206 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.33%0.00%0.93%0.60%0.75%0.64%0.44%-49 bps
Net Charge-Offs / Loans0.02%0.01%0.04%0.02%0.01%0.01%0.03%0.00%-1 bps
Allowance / Loans1.35%1.36%1.57%1.48%1.39%1.35%1.64%1.60%+12 bps
Allowance Coverage of NPLs4.2x4.2xn/a1.6x2.3x1.8x2.6x3.6x+2.0x
Capital
Tier 1 Leverage Ratio19.44%19.45%19.11%18.98%17.61%17.65%17.24%17.40%-158 bps
Total Risk-Based Capital19.44%19.45%19.11%18.98%17.61%17.65%17.24%17.40%-158 bps
Equity / Assets19.46%18.89%18.97%18.18%17.54%17.69%17.25%17.39%-79 bps
Liquidity & Funding
Loans / Deposits104.58%100.62%87.69%88.36%90.08%93.38%73.74%76.40%-1,196 bps
Liquid Assets / Assets6.83%7.36%19.43%19.02%10.63%9.02%16.46%16.27%-275 bps
CRE / Total Capitaln/an/an/an/a46.88%31.47%38.96%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 Bank Littlefield, Texas, SSB

Littlefield, TX · Cert 30291 · Peer group: banks under $1B in assets in TX (n=208-211)

SI · FDIC · 1 branch

Q2 2026

$67.9MAssets
$42.5MLoans
$55.7MDeposits
$11.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 92% of banks under $1B in assets in TX (rank 17 of 211).
  • Widest gap: return on equity trails 91% of banks under $1B in assets in TX (rank 192 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.56%

Rank 179 of 211

Net Interest Margin

4.37%

Rank 47 of 211

Efficiency Ratio

84.74%

Rank 189 of 211

Equity / Assets

17.39%

Rank 17 of 211

Non-interest income vs. expense

$0.2M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 11% of banks under $1B in assets in TX
Bank 84.74%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.56%0.87%1.20%1.65%Beats 15%179 / 211
Return on Equity3.20%7.52%11.67%14.58%Beats 9%192 / 211
Net Interest Margin4.37%3.28%3.82%4.31%Beats 78%47 / 211
Efficiency Ratio84.74%53.01%64.18%73.65%Beats 11%189 / 211
Asset Quality
Nonperforming Loans / Loans0.44%0.01%0.30%1.10%Beats 43%120 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 53%99 / 208
Capital
Tier 1 Capital Ratio17.40%11.72%14.45%19.57%Beats 68%68 / 211
Total Risk-Based Capital Ratio17.40%11.94%14.78%20.30%Beats 64%76 / 211
Equity / Assets17.39%9.41%11.06%12.94%Beats 92%17 / 211
Liquidity & Funding
Loans / Deposits76.40%45.39%66.56%82.03%67th pctl69 / 208
Loans / Assets62.66%39.13%56.90%70.46%61st pctl83 / 211
Brokered Deposits / Depositsn/aNot reported for this institution