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First Federal Savings Bank

Rochester, IN · Cert 31516 · American MW Financial Corp.

State savings bank · OCC · 6 branches

Q2 2026

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: 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 operating in a single state (n=743 to 746). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

Rochester, IN · Cert 31516 · American MW Financial Corp.

State savings bank · OCC · 6 branches

Q2 2026

$686.6MAssets
$594.0MLoans
$540.4MDeposits
$63.2MEquity
Loan mix
98%RE $578.0M2%C&I $13.9M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $471.2M13%Noninterest $69.3MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.99%Q2 ’254.97%Q2 ’26+21%+9%

Non-interest income vs. expense

3.10%Q2 ’243.35%Q2 ’253.48%Q2 ’26-10%+12%

Market Position · South Bend-Mishawaka, IN-MI · 2026 SOD (annual) · 0.5% share · #14 of 17 inst. · $0.0B of $6.2B

48.0% Fulton
15.1% Marshall
12.8% Pulaski
0.5% St. Joseph

Executive Summary

  • Earnings: ROA of 0.97%, up 15 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.94% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.31%, down 33 bps from a year ago.
  • Funding: loans stand at 109.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+27 bps YoY

Efficiency Ratio (YTD, annualized)

75.61%-13 bps YoY

Tier 1 Leverage Ratio

9.31%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.83%0.84%0.83%0.97%+15 bps
Return on Equity9.24%9.18%9.39%9.29%10.85%+161 bps
Net Interest Margin2.82%2.81%2.86%3.05%3.09%+27 bps
Efficiency Ratio75.74%76.39%75.64%79.13%75.61%-13 bps
Non-Interest Burden1.75%1.78%1.80%2.14%1.97%+22 bps
Growth
Asset Growth (YoY)-0.18%-0.77%1.38%9.73%5.63%+581 bps
Loan Growth (YoY)0.95%0.85%2.44%9.45%5.62%+468 bps
Deposit Growth (YoY)-3.43%-7.53%1.08%10.54%13.30%+1,674 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.99%0.88%0.95%0.94%+19 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.00%0.00%-2 bps
Allowance / Loans1.05%1.04%1.05%1.02%1.03%-2 bps
Allowance Coverage of NPLs1.4x1.1x1.2x1.1x1.1x-0.3x
Capital
Tier 1 Leverage Ratio9.63%9.53%9.24%9.21%9.31%-33 bps
Total Risk-Based Capital15.45%15.05%15.11%14.82%9.31%-615 bps
Equity / Assets9.09%9.18%8.92%8.85%9.20%+11 bps
Liquidity & Funding
Loans / Deposits117.90%116.80%108.86%106.64%109.91%-799 bps
Liquid Assets / Assets2.89%2.68%2.59%2.45%2.07%-82 bps
CRE / Total Capitaln/a166.98%189.55%185.85%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

Rochester, IN · Cert 31516 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American MW Financial Corp.

State savings bank · OCC · 6 branches

Q2 2026

$686.6MAssets
$594.0MLoans
$540.4MDeposits
$63.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets operating in a single state (rank 729 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.97%

Rank 422 of 746

Net Interest Margin

3.09%

Rank 588 of 746

Efficiency Ratio

75.61%

Rank 562 of 746

Equity / Assets

9.20%

Rank 532 of 746

Non-interest income vs. expense

$10.5M$24.2MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 25% of banks under $1B in assets operating in a single state
Bank 75.61%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.72%1.06%1.45%Beats 43%422 / 746
Return on Equity10.55%6.74%10.51%13.63%Beats 50%371 / 746
Net Interest Margin3.09%3.17%3.68%4.16%Beats 21%588 / 746
Efficiency Ratio75.61%55.74%64.58%75.47%Beats 25%562 / 746
Asset Quality
Nonperforming Loans / Loans0.94%0.09%0.42%1.07%Beats 29%529 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio9.31%11.55%13.75%17.60%Beats 2%729 / 746
Total Risk-Based Capital Ratio9.31%11.71%14.33%18.43%Beats 2%729 / 746
Equity / Assets9.20%8.90%10.51%13.06%Beats 29%532 / 746
Liquidity & Funding
Loans / Deposits109.91%61.31%78.27%90.78%97th pctl24 / 746
Loans / Assets86.51%53.60%66.97%76.08%97th pctl23 / 746
Brokered Deposits / Depositsn/aNot reported for this institution