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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 $5.4MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $40.8M27%Noninterest $14.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.63%0.54%0.59%0.56%-4 bps
Return on Equity3.21%3.46%2.95%3.38%3.22%+1 bps
Net Interest Margin4.42%4.21%4.33%4.32%4.37%-5 bps
Efficiency Ratio82.75%82.16%85.23%83.74%84.74%+199 bps
Non-Interest Burden3.60%3.41%3.65%3.58%3.66%+6 bps
Growth
Asset Growth (YoY)9.03%14.35%10.27%13.42%7.36%-167 bps
Loan Growth (YoY)0.47%1.02%3.72%-2.46%-6.17%-664 bps
Deposit Growth (YoY)10.59%17.28%11.76%15.98%8.52%-206 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.60%0.75%0.64%0.44%-49 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.03%0.00%-1 bps
Allowance / Loans1.48%1.39%1.35%1.64%1.60%+12 bps
Allowance Coverage of NPLs1.6x2.3x1.8x2.6x3.6x+2.0x
Capital
Tier 1 Leverage Ratio18.98%17.61%17.65%17.24%17.40%-158 bps
Total Risk-Based Capital18.98%17.61%17.65%17.24%17.40%-158 bps
Equity / Assets18.18%17.54%17.69%17.25%17.39%-79 bps
Liquidity & Funding
Loans / Deposits88.36%90.08%93.38%73.74%76.40%-1,196 bps
Liquid Assets / Assets19.02%10.63%9.02%16.46%16.27%-275 bps
CRE / Total Capitaln/a46.88%31.47%38.96%n/an/a