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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 assets3

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 (n=581 to 629). 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

90

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

14

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 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 $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $41.6M0%Noninterest $0.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%0.00%-0.30%-0.15%-0.22%-0.11%0.30%0.32%+47 bps
Return on Equity-0.61%-0.01%-1.35%-0.67%-0.98%-0.47%1.26%1.32%+199 bps
Net Interest Margin1.67%1.62%1.54%1.68%1.78%1.94%2.29%2.31%+63 bps
Efficiency Ratio112.13%109.66%117.60%108.43%111.74%106.76%87.57%88.53%-1,989 bps
Non-Interest Burden1.89%1.79%1.83%1.83%2.01%2.08%1.99%2.03%+19 bps
Growth
Asset Growth (YoY)-3.01%-0.49%-0.42%1.07%-3.73%-7.97%-4.98%-5.24%-631 bps
Loan Growth (YoY)3.25%2.10%0.28%1.49%1.89%3.59%2.03%-4.27%-576 bps
Deposit Growth (YoY)-3.65%-0.55%-0.39%1.35%-4.78%-10.40%-6.65%-7.02%-838 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.23%0.23%0.35%0.22%0.22%0.22%0.23%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.55%0.55%0.55%0.54%0.54%0.50%0.51%0.51%-4 bps
Allowance Coverage of NPLs2.4x2.4x2.4x1.6x2.4x2.3x2.3x2.2x+0.6x
Capital
Tier 1 Leverage Ratio22.44%21.98%22.28%22.71%22.93%23.80%24.02%23.92%+121 bps
Total Risk-Based Capital54.35%53.95%54.65%53.73%53.64%54.75%54.38%56.30%+257 bps
Equity / Assets22.54%22.15%22.77%22.59%23.36%23.96%24.01%23.97%+138 bps
Liquidity & Funding
Loans / Deposits79.19%77.19%81.16%81.83%84.74%89.25%88.71%84.25%+242 bps
Liquid Assets / Assets23.83%22.19%23.05%21.31%20.91%20.59%20.70%21.08%-24 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

First Savings and Loan Association

Mebane, NC · Cert 30358 · Peer group: banks under $1B in assets (n=581-629)

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 (rank 158 of 581).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 585 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.31%

Rank 543 of 629

Net Interest Margin

2.31%

Rank 585 of 629

Efficiency Ratio

88.53%

Rank 544 of 629

Equity / Assets

23.97%

Rank 69 of 629

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.53%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.31%0.60%1.01%1.45%Beats 14%543 / 629
Return on Equity1.31%5.38%9.30%13.28%Beats 10%566 / 629
Net Interest Margin2.31%3.03%3.54%4.05%Beats 7%585 / 629
Efficiency Ratio88.53%58.35%67.79%79.08%Beats 14%544 / 629
Asset Quality
Nonperforming Loans / Loans0.23%0.09%0.46%1.20%Beats 62%219 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio55.57%11.24%13.84%18.77%Beats 91%54 / 629
Total Risk-Based Capital Ratio56.30%11.58%14.43%19.66%Beats 91%54 / 629
Equity / Assets23.97%9.09%10.65%13.80%Beats 89%69 / 629
Liquidity & Funding
Loans / Deposits84.25%67.24%80.90%93.48%55th pctl268 / 594
Loans / Assets62.67%53.31%67.71%78.15%40th pctl379 / 629
Brokered Deposits / Depositsn/aNot reported for this institution