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First Fidelity Bank

Fort Payne, AL · Cert 31479

FDIC · 3 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 operating in a single state (n=815 to 821). 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

58

Q2 2024Q4 2025peer median (50)

Asset Quality

100

Q2 2024Q4 2025peer median (50)

Profitability

50

Q2 2024Q4 2025peer median (50)

Liquidity

8

Q2 2024Q4 2025peer median

Efficiency

52

Q2 2024Q4 2025peer 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 Fidelity Bank

Fort Payne, AL · Cert 31479

FDIC · 3 branches

Q4 2025

$158.6MAssets
$71.8MLoans
$143.2MDeposits
$15.2MEquity
Loan mix
87%RE $62.2M6%C&I $4.4M7%Consumer $5.1MQ4 2024Q4 2025
Deposit mix
88%Interest-bearing $125.7M12%Noninterest $17.5MQ4 2024Q4 2025

NIM

4.44%Q4 ’234.74%Q4 ’244.57%Q4 ’25-11%+0%

Non-interest income vs. expense

2.00%Q4 ’232.11%Q4 ’242.31%Q4 ’25+15%+8%

Executive Summary

  • Earnings: ROA of 0.97%, up 6 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (-347 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.79%, up 37 bps from a year ago.
  • Funding: loans stand at 50.14% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.97%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.26%0 bps YoY

Efficiency Ratio (YTD, annualized)

66.92%+480 bps YoY

Tier 1 Leverage Ratio

10.79%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.91%1.02%1.13%1.06%0.97%+6 bps
Return on Equity11.23%12.22%13.33%12.28%11.00%-23 bps
Net Interest Margin3.25%3.19%3.23%3.22%3.26%0 bps
Efficiency Ratio62.12%60.23%61.10%61.95%66.92%+480 bps
Non-Interest Burden1.97%1.87%1.87%1.91%2.11%+15 bps
Growth
Asset Growth (YoY)1.53%4.75%1.28%5.44%2.47%+94 bps
Loan Growth (YoY)10.85%3.35%-4.58%-2.88%-5.43%-1,628 bps
Deposit Growth (YoY)0.91%6.56%2.51%7.79%1.09%+18 bps
Asset Quality
Nonperforming Loans / Loans3.47%0.29%0.22%0.17%0.00%-347 bps
Net Charge-Offs / Loans0.18%0.04%0.07%0.06%0.05%-13 bps
Allowance / Loans1.38%1.39%1.39%1.40%1.31%-8 bps
Allowance Coverage of NPLs0.4x4.8x6.3x8.3xn/an/a
Capital
Tier 1 Leverage Ratio10.43%10.43%10.53%10.64%10.79%+37 bps
Total Risk-Based Capital18.35%18.25%19.08%19.36%17.20%-116 bps
Equity / Assets8.30%8.42%8.70%9.09%9.58%+128 bps
Liquidity & Funding
Loans / Deposits53.60%52.93%50.00%49.35%50.14%-346 bps
Liquid Assets / Assets8.10%9.25%7.36%7.05%4.83%-326 bps
CRE / Total Capitaln/an/an/a183.33%174.76%n/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 Fidelity Bank

Fort Payne, AL · Cert 31479 · Peer group: banks under $1B in assets operating in a single state (n=815-821)

FDIC · 3 branches

Q4 2025

$158.6MAssets
$71.8MLoans
$143.2MDeposits
$15.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 118 of 815).
  • Widest gap: equity / assets trails 62% of banks under $1B in assets operating in a single state (rank 505 of 821).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.97%

Rank 383 of 821

Net Interest Margin

3.26%

Rank 506 of 821

Efficiency Ratio

66.92%

Rank 395 of 821

Equity / Assets

9.58%

Rank 505 of 821

Non-interest income vs. expense

$0.3M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 66.92%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.60%0.92%1.29%Beats 53%383 / 821
Return on Equity10.10%5.53%9.01%12.39%Beats 59%339 / 821
Net Interest Margin3.26%2.96%3.47%4.01%Beats 38%506 / 821
Efficiency Ratio66.92%58.51%67.52%77.71%Beats 52%395 / 821
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.39%1.09%Beats 100%118 / 815
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.24%11.57%13.96%18.25%Beats 67%273 / 821
Total Risk-Based Capital Ratio17.20%11.91%14.63%18.88%Beats 68%263 / 821
Equity / Assets9.58%8.73%10.33%12.96%Beats 38%505 / 821
Liquidity & Funding
Loans / Deposits50.14%61.85%77.93%91.10%12th pctl717 / 815
Loans / Assets45.26%53.55%66.75%76.60%13th pctl705 / 815
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821