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First Federal Bank, A FSB

Tuscaloosa, AL · Cert 31127 · Southeastern Financial Inc.

State savings bank · OCC · 3 branches

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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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, A FSB

Tuscaloosa, AL · Cert 31127 · Southeastern Financial Inc.

State savings bank · OCC · 3 branches

Q2 2026

$182.6MAssets
$151.9MLoans
$120.4MDeposits
$13.9MEquity
Loan mix
100%RE $149.7M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $113.2M6%Noninterest $7.2MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.26%Q2 ’255.26%Q2 ’26+11%+15%

Non-interest income vs. expense

8.52%Q2 ’248.88%Q2 ’258.70%Q2 ’26-4%-13%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.2% share · #11 of 30 inst. · $0.1B of $5.5B

Executive Summary

  • Earnings: ROA of 0.62%, up 46 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.60% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 7.82%, up 13 bps from a year ago.
  • Funding: loans stand at 126.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+32 bps YoY

Efficiency Ratio (YTD, annualized)

91.63%-600 bps YoY

Tier 1 Leverage Ratio

7.82%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.38%0.20%0.70%0.62%+46 bps
Return on Equity2.23%5.04%2.68%9.12%8.14%+591 bps
Net Interest Margin2.14%2.27%2.38%2.53%2.47%+32 bps
Efficiency Ratio97.63%94.85%97.11%90.17%91.63%-600 bps
Non-Interest Burden1.93%1.78%2.11%1.58%1.67%-26 bps
Growth
Asset Growth (YoY)-3.11%-5.18%5.99%2.07%0.42%+353 bps
Loan Growth (YoY)-3.33%-5.06%8.03%3.75%0.43%+376 bps
Deposit Growth (YoY)-3.09%-13.76%-6.54%-7.89%0.22%+332 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.31%0.35%0.63%0.60%+12 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.01%0 bps
Allowance / Loans0.91%0.94%0.95%0.92%0.90%-2 bps
Allowance Coverage of NPLs1.9x3.0x2.7x1.5x1.5x-0.4x
Capital
Tier 1 Leverage Ratio7.69%7.89%7.98%8.19%7.82%+13 bps
Total Risk-Based Capital13.05%13.65%13.70%13.77%13.66%+61 bps
Equity / Assets7.21%7.73%7.72%7.61%7.61%+40 bps
Liquidity & Funding
Loans / Deposits125.93%126.74%130.48%133.88%126.18%+26 bps
Liquid Assets / Assets7.25%7.07%7.26%6.48%7.62%+37 bps
CRE / Total Capitaln/a36.84%21.01%33.12%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, A FSB

Tuscaloosa, AL · Cert 31127 · Peer group: banks under $1B in assets (n=581-629) · Southeastern Financial Inc.

State savings bank · OCC · 3 branches

Q2 2026

$182.6MAssets
$151.9MLoans
$120.4MDeposits
$13.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets (rank 273 of 581).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 574 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.61%

Rank 470 of 629

Net Interest Margin

2.47%

Rank 572 of 629

Efficiency Ratio

91.63%

Rank 560 of 629

Equity / Assets

7.61%

Rank 574 of 629

Non-interest income vs. expense

$12.5M$15.5MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 11% of banks under $1B in assets
Bank 91.63%Peer median 67.8%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.60%1.01%1.45%Beats 25%470 / 629
Return on Equity7.98%5.38%9.30%13.28%Beats 40%378 / 629
Net Interest Margin2.47%3.03%3.54%4.05%Beats 9%572 / 629
Efficiency Ratio91.63%58.35%67.79%79.08%Beats 11%560 / 629
Asset Quality
Nonperforming Loans / Loans0.60%0.09%0.46%1.20%Beats 44%329 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 53%273 / 581
Capital
Tier 1 Capital Ratio12.44%11.24%13.84%18.77%Beats 38%393 / 629
Total Risk-Based Capital Ratio13.66%11.58%14.43%19.66%Beats 44%352 / 629
Equity / Assets7.61%9.09%10.65%13.80%Beats 9%574 / 629
Liquidity & Funding
Loans / Deposits126.18%67.24%80.90%93.48%99th pctl6 / 594
Loans / Assets83.17%53.31%67.71%78.15%88th pctl75 / 629
Brokered Deposits / Depositsn/aNot reported for this institution