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First Federal Bank of Wisconsin

Waukesha, WI · Cert 30422 · FFBW Inc.

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

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 WI (n=110 to 113). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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 of Wisconsin

Waukesha, WI · Cert 30422 · FFBW Inc.

State savings bank · OCC · 5 branches

Q2 2026

$285.9MAssets
$225.8MLoans
$205.9MDeposits
$63.1MEquity
Loan mix
88%RE $189.5M12%C&I $25.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $151.1M27%Noninterest $54.8MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.22%Q2 ’255.40%Q2 ’26+16%+10%

Non-interest income vs. expense

2.69%Q2 ’243.25%Q2 ’253.48%Q2 ’26+23%+7%

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.3% share · #29 of 43 inst. · $0.2B of $79.9B

0.7% Waukesha
0.2% Milwaukee

Executive Summary

  • Earnings: ROA of 0.98%, up 16 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.54%, down 54 bps from a year ago.
  • Funding: loans stand at 109.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+38 bps YoY

Efficiency Ratio (YTD, annualized)

74.91%-204 bps YoY

Tier 1 Leverage Ratio

22.54%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.86%0.98%0.94%0.98%+16 bps
Return on Equity3.51%3.71%4.24%4.18%4.42%+91 bps
Net Interest Margin3.89%4.00%4.05%4.12%4.28%+38 bps
Efficiency Ratio76.95%77.07%74.09%75.67%74.91%-204 bps
Non-Interest Burden2.92%3.01%2.90%3.03%3.11%+20 bps
Growth
Asset Growth (YoY)-10.70%-8.06%-4.09%-5.33%4.21%+1,491 bps
Loan Growth (YoY)-11.28%-4.72%-3.68%-6.01%4.93%+1,621 bps
Deposit Growth (YoY)-12.00%-6.37%-2.18%-4.15%0.78%+1,278 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.02%0.02%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.25%1.23%1.30%1.29%+2 bps
Allowance Coverage of NPLsn/a73.5x74.8x79.8x86.0xn/a
Capital
Tier 1 Leverage Ratio23.08%22.18%22.40%22.14%22.54%-54 bps
Total Risk-Based Capital27.94%25.64%26.32%27.06%26.59%-136 bps
Equity / Assets23.58%22.02%22.42%22.35%22.09%-150 bps
Liquidity & Funding
Loans / Deposits105.33%103.81%104.50%101.54%109.66%+433 bps
Liquid Assets / Assets0.63%0.66%0.96%3.79%2.68%+205 bps
CRE / Total Capitaln/a249%249%243%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 of Wisconsin

Waukesha, WI · Cert 30422 · Peer group: banks under $1B in assets in WI (n=110-113) · FFBW Inc.

State savings bank · OCC · 5 branches

Q2 2026

$285.9MAssets
$225.8MLoans
$205.9MDeposits
$63.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
  • Widest gap: return on equity trails 92% of banks under $1B in assets in WI (rank 104 of 113).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.96%

Rank 79 of 113

Net Interest Margin

4.28%

Rank 9 of 113

Efficiency Ratio

74.91%

Rank 92 of 113

Equity / Assets

22.09%

Rank 6 of 113

Non-interest income vs. expense

$1.0M$9.9MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 19% of banks under $1B in assets in WI
Bank 74.91%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.85%1.17%1.51%Beats 30%79 / 113
Return on Equity4.36%7.70%10.77%13.67%Beats 8%104 / 113
Net Interest Margin4.28%3.19%3.59%3.89%Beats 92%9 / 113
Efficiency Ratio74.91%54.61%62.43%71.88%Beats 19%92 / 113
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.24%0.91%Beats 79%24 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%37 / 110
Capital
Tier 1 Capital Ratio25.34%11.22%12.95%15.76%Beats 91%10 / 113
Total Risk-Based Capital Ratio26.59%11.57%13.59%16.73%Beats 91%10 / 113
Equity / Assets22.09%9.17%10.74%13.13%Beats 95%6 / 113
Liquidity & Funding
Loans / Deposits109.66%76.54%86.37%98.93%92nd pctl9 / 112
Loans / Assets78.98%63.07%71.33%78.84%75th pctl28 / 113
Brokered Deposits / Depositsn/aNot reported for this institution