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Financial Federal Bank

Memphis, TN · Cert 31840 · Financial Fedcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

63

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

Financial Federal Bank

Memphis, TN · Cert 31840 · Financial Fedcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.1BAssets
$1.1BLoans
$879.7MDeposits
$110.2MEquity
Loan mix
84%RE $894.5M14%C&I $152.2M2%Consumer $24.4MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $853.1M3%Noninterest $26.6MQ2 2025Q2 2026

NIM

5.95%Q2 ’246.00%Q2 ’255.97%Q2 ’26+29%+25%

Non-interest income vs. expense

1.38%Q2 ’241.39%Q2 ’251.52%Q2 ’26+0%+15%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 1.9% share · #11 of 48 inst. · $0.9B of $46.3B

Executive Summary

  • Earnings: ROA of 0.85%, up 21 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.05% of loans (-44 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.92%, up 10 bps from a year ago.
  • Funding: loans stand at 122.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+52 bps YoY

Efficiency Ratio (YTD, annualized)

55.51%-601 bps YoY

Tier 1 Leverage Ratio

9.92%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.69%0.61%0.87%0.85%+21 bps
Return on Equity6.56%7.08%6.30%8.90%8.65%+208 bps
Net Interest Margin2.06%2.14%2.19%2.54%2.58%+52 bps
Efficiency Ratio61.52%58.65%62.92%55.14%55.51%-601 bps
Non-Interest Burden1.19%1.18%1.30%1.28%1.36%+17 bps
Growth
Asset Growth (YoY)6.67%3.77%3.19%4.19%3.47%-320 bps
Loan Growth (YoY)5.84%2.63%2.94%3.27%3.75%-209 bps
Deposit Growth (YoY)9.76%5.93%9.71%5.48%8.67%-109 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.52%0.23%0.06%0.05%-44 bps
Net Charge-Offs / Loans0.01%0.01%0.19%0.01%0.02%+1 bps
Allowance / Loans0.81%0.86%0.72%0.74%0.76%-5 bps
Allowance Coverage of NPLs1.7x1.6x3.1x12.4x14.1x+12.5x
Capital
Tier 1 Leverage Ratio9.83%9.89%9.73%9.94%9.92%+10 bps
Total Risk-Based Capital9.83%9.89%9.73%9.94%9.92%+10 bps
Equity / Assets9.75%9.80%9.76%9.79%9.81%+6 bps
Liquidity & Funding
Loans / Deposits128.72%124.63%120.43%124.86%122.89%-582 bps
Liquid Assets / Assets2.76%3.23%2.98%3.02%2.67%-10 bps
CRE / Total Capitaln/a480%476%478%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

Financial Federal Bank

Memphis, TN · Cert 31840 · Peer group: banks $1B-$10B in assets (n=322-328) · Financial Fedcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$1.1BAssets
$1.1BLoans
$879.7MDeposits
$110.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets (rank 30 of 322).
  • Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets (rank 317 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 262 of 328

Net Interest Margin

2.58%

Rank 306 of 328

Efficiency Ratio

55.51%

Rank 121 of 328

Equity / Assets

9.81%

Rank 196 of 328

Non-interest income vs. expense

$1.7M$16.8MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 63% of banks $1B-$10B in assets
Bank 55.51%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.91%1.22%1.52%Beats 20%262 / 328
Return on Equity8.55%8.43%11.45%14.43%Beats 26%242 / 328
Net Interest Margin2.58%3.03%3.45%3.83%Beats 7%306 / 328
Efficiency Ratio55.51%51.61%59.56%67.53%Beats 63%121 / 328
Asset Quality
Nonperforming Loans / Loans0.05%0.24%0.51%1.03%Beats 91%30 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 64%117 / 322
Capital
Tier 1 Capital Ratio9.92%11.75%13.15%15.47%Beats 5%313 / 328
Total Risk-Based Capital Ratio9.92%12.63%14.15%16.46%Beats 3%317 / 328
Equity / Assets9.81%9.15%10.33%12.01%Beats 40%196 / 328
Liquidity & Funding
Loans / Deposits122.89%76.63%87.92%95.36%98th pctl6 / 323
Loans / Assets96.23%65.18%74.15%79.98%99th pctl2 / 328
Brokered Deposits / Depositsn/aNot reported for this institution