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First Savings and Loan Association

Mebane, NC · Cert 30358

State savings bank · OCC · 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 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=748 to 752). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

9

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 2026-10-10

First Savings and Loan Association

Mebane, NC · Cert 30358

State savings bank · OCC · 1 branch

Q2 2026

$55.9MAssets
$35.0MLoans
$41.6MDeposits
$13.4MEquity
Loan mix
100%RE $36.8M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $41.6M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.50%Q2 ’244.45%Q2 ’254.57%Q2 ’26-2%+38%

Non-interest income vs. expense

1.94%Q2 ’241.97%Q2 ’252.18%Q2 ’26+2%+11%

Market Position · Burlington, NC · 2026 SOD (annual) · 1.5% share · #12 of 14 inst. · $0.0B of $2.8B

Executive Summary

  • Earnings: ROA of 0.32%, up 47 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.23% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.92%, up 121 bps from a year ago.
  • Funding: loans stand at 84.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+47 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+63 bps YoY

Efficiency Ratio (YTD, annualized)

88.53%-1,989 bps YoY

Tier 1 Leverage Ratio

23.92%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%-0.22%-0.11%0.30%0.32%+47 bps
Return on Equity-0.67%-0.98%-0.47%1.26%1.32%+199 bps
Net Interest Margin1.68%1.78%1.94%2.29%2.31%+63 bps
Efficiency Ratio108.43%111.74%106.76%87.57%88.53%-1,989 bps
Non-Interest Burden1.83%2.01%2.08%1.99%2.03%+19 bps
Growth
Asset Growth (YoY)1.07%-3.73%-7.97%-4.98%-5.24%-631 bps
Loan Growth (YoY)1.49%1.89%3.59%2.03%-4.27%-576 bps
Deposit Growth (YoY)1.35%-4.78%-10.40%-6.65%-7.02%-838 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.22%0.22%0.22%0.23%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.54%0.54%0.50%0.51%0.51%-4 bps
Allowance Coverage of NPLs1.6x2.4x2.3x2.3x2.2x+0.6x
Capital
Tier 1 Leverage Ratio22.71%22.93%23.80%24.02%23.92%+121 bps
Total Risk-Based Capital53.73%53.64%54.75%54.38%56.30%+257 bps
Equity / Assets22.59%23.36%23.96%24.01%23.97%+138 bps
Liquidity & Funding
Loans / Deposits81.83%84.74%89.25%88.71%84.25%+242 bps
Liquid Assets / Assets21.31%20.91%20.59%20.70%21.08%-24 bps
CRE / Total Capitaln/a16.29%14.39%13.44%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 2026-10-10

First Savings and Loan Association

Mebane, NC · Cert 30358 · Peer group: banks under $1B in assets operating in a single state (n=748-752)

State savings bank · OCC · 1 branch

Q2 2026

$55.9MAssets
$35.0MLoans
$41.6MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 717 of 752).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.31%

Rank 673 of 752

Net Interest Margin

2.31%

Rank 717 of 752

Efficiency Ratio

88.53%

Rank 686 of 752

Equity / Assets

23.97%

Rank 23 of 752

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state
Bank 88.53%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.72%1.07%1.45%Beats 11%673 / 752
Return on Equity1.31%6.78%10.58%13.65%Beats 6%707 / 752
Net Interest Margin2.31%3.18%3.69%4.17%Beats 5%717 / 752
Efficiency Ratio88.53%55.75%64.49%75.47%Beats 9%686 / 752
Asset Quality
Nonperforming Loans / Loans0.23%0.09%0.42%1.03%Beats 63%275 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio55.57%11.55%13.75%17.60%Beats 98%13 / 752
Total Risk-Based Capital Ratio56.30%11.70%14.33%18.47%Beats 98%13 / 752
Equity / Assets23.97%8.93%10.56%13.13%Beats 97%23 / 752
Liquidity & Funding
Loans / Deposits84.25%62.23%78.64%91.26%62nd pctl285 / 752
Loans / Assets62.67%54.61%67.41%76.47%39th pctl455 / 752
Brokered Deposits / Depositsn/aNot reported for this institution