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First Federal Savings Bank of Mascoutah, Illinois

Mascoutah, IL · Cert 30969

State charter, Fed member · FED · 3 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

72

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 Savings Bank of Mascoutah, Illinois

Mascoutah, IL · Cert 30969

State charter, Fed member · FED · 3 branches

Q2 2026

$207.3MAssets
$163.4MLoans
$185.3MDeposits
$20.2MEquity
Loan mix
82%RE $126.6M16%C&I $24.3M2%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $168.3M9%Noninterest $17.0MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #68 of 111 inst. · $0.2B of $141.7B

2.7% St. Clair
1.6% Clinton

Executive Summary

  • Earnings: ROA of 0.85%, up 8 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 2.12% of loans (-17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.46%, up 28 bps from a year ago.
  • Funding: loans stand at 88.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.85%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+17 bps YoY

Efficiency Ratio (YTD, annualized)

58.23%-214 bps YoY

Tier 1 Leverage Ratio

10.46%+28 bps YoY

NIM

4.67%Q2 ’245.05%Q2 ’255.23%Q2 ’26+13%+6%

Non-interest income vs. expense

1.71%Q2 ’241.66%Q2 ’251.70%Q2 ’26-5%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.62%0.83%0.77%0.79%0.80%0.82%0.85%+8 bps
Return on Equity6.03%6.85%9.17%8.43%8.52%8.51%8.43%8.73%+30 bps
Net Interest Margin2.37%2.37%2.67%2.60%2.66%2.71%2.72%2.77%+17 bps
Efficiency Ratio69.49%66.80%59.19%60.37%59.27%58.85%59.07%58.23%-214 bps
Non-Interest Burden1.61%1.54%1.52%1.52%1.52%1.53%1.55%1.55%+4 bps
Growth
Asset Growth (YoY)3.28%8.60%7.67%10.30%6.15%3.00%5.89%5.75%-455 bps
Loan Growth (YoY)1.47%10.53%10.53%13.97%9.04%-1.56%4.16%6.05%-792 bps
Deposit Growth (YoY)5.45%9.14%11.08%9.80%8.65%7.18%5.25%4.74%-506 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.78%0.67%2.29%2.30%2.25%2.19%2.12%-17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.83%0.77%0.82%0.84%0.90%0.97%0.98%0.99%+15 bps
Allowance Coverage of NPLs1.4x1.0x1.2x0.4x0.4x0.4x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio10.53%10.20%10.12%10.17%10.34%10.53%10.46%10.46%+28 bps
Total Risk-Based Capital16.78%15.44%16.11%16.16%16.47%17.06%16.68%16.49%+34 bps
Equity / Assets9.41%8.82%9.27%9.35%9.78%9.81%9.75%9.75%+40 bps
Liquidity & Funding
Loans / Deposits88.59%92.94%87.56%87.09%88.90%85.37%86.66%88.18%+109 bps
Liquid Assets / Assets3.86%2.31%2.77%3.41%2.18%5.17%3.40%2.73%-68 bps
CRE / Total Capitaln/an/an/an/a134.23%135.76%150.98%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 Savings Bank of Mascoutah, Illinois

Mascoutah, IL · Cert 30969 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40)

State charter, Fed member · FED · 3 branches

Q2 2026

$207.3MAssets
$163.4MLoans
$185.3MDeposits
$20.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets in the St. Louis, MO-IL area (rank 36 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 26 of 40

Net Interest Margin

2.77%

Rank 36 of 40

Efficiency Ratio

58.23%

Rank 12 of 40

Equity / Assets

9.75%

Rank 19 of 40

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 72% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 58.23%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.84%0.64%1.04%1.26%Beats 35%26 / 40
Return on Equity8.57%6.25%9.97%13.41%Beats 40%24 / 40
Net Interest Margin2.77%3.09%3.22%3.62%Beats 10%36 / 40
Efficiency Ratio58.23%57.08%64.37%75.86%Beats 72%12 / 40
Asset Quality
Nonperforming Loans / Loans2.12%0.14%0.62%1.92%Beats 21%31 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio15.33%10.29%12.88%15.77%Beats 70%12 / 40
Total Risk-Based Capital Ratio16.49%10.64%13.30%17.01%Beats 70%12 / 40
Equity / Assets9.75%8.59%9.46%12.46%Beats 53%19 / 40
Liquidity & Funding
Loans / Deposits88.18%66.12%79.48%94.60%70th pctl12 / 40
Loans / Assets78.83%54.69%68.52%77.46%78th pctl9 / 40
Brokered Deposits / Depositsn/aNot reported for this institution