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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