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FDS Bank

Mason, OH · Cert 33831

FDIC · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Cincinnati, OH-KY-IN area3

Basis

Quarter: Q3 2025, the quarter ended September 30, 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 in the Cincinnati, OH-KY-IN area (n=17 to 18). 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

90

Q2 2024Q3 2025peer median (50)

Asset Quality

53

Q2 2024Q3 2025peer median (50)

Profitability

92

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

100

Q2 2024Q3 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

FDS Bank

Mason, OH · Cert 33831

FDIC · 1 branch

Q3 2025

$70.1MAssets
$273KLoans
$7.0MDeposits
$18.4MEquity
Loan mix
0%RE $0K100%C&I $273K0%Consumer $0KQ4 2023Q3 2025
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $7.0MQ4 2023Q3 2025

Market Position · Cincinnati, OH-KY-IN · 2025 SOD (annual) · 0.0% share · #52 of 54 inst. · $0.0B of $191.5B

Executive Summary

  • Earnings: ROA of 503.07%, up 17,440 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 29.94%, down 102 bps from a year ago.
  • Funding: loans stand at 3.90% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

503%+17,440 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-117 bps YoY

Efficiency Ratio (YTD, annualized)

15.53%-291 bps YoY

Tier 1 Leverage Ratio

29.94%-102 bps YoY

NIM

4.50%Q3 ’235.23%Q3 ’244.06%Q3 ’25+16%-22%

Non-interest income vs. expense

125.40%Q3 ’23124.05%Q3 ’24177.90%Q3 ’25+13%-77%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets380%299%325%329%357%417%463%503%+17,440 bps
Return on Equity1447%1056%1119%1159%1203%1306%1556%1729%+56,960 bps
Net Interest Margin4.25%4.11%4.34%5.23%5.06%2.69%3.72%4.06%-117 bps
Efficiency Ratio15.79%19.46%18.21%18.44%17.58%16.54%15.47%15.53%-291 bps
Non-Interest Burden-524%-473%-460%-543%-571%-558%-884%-964%-42,012 bps
Growth
Asset Growth (YoY)1.37%-10.64%-3.03%-27.30%-12.58%-9.26%-17.98%-31.20%-390 bps
Loan Growth (YoY)20.85%114.40%183.06%-69.52%-83.12%-42.72%-54.45%-48.59%+2,093 bps
Deposit Growth (YoY)0.00%0.00%0.00%0.00%-40.00%-53.33%-53.33%-53.33%-5,333 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.00%0.00%0.00%0.83%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.33%0.23%0.49%+49 bps
Allowance / Loans0.89%0.43%0.16%0.56%0.31%2.15%1.05%1.83%+127 bps
Allowance Coverage of NPLsn/a9.0xn/an/an/a2.6xn/an/an/a
Capital
Tier 1 Leverage Ratio33.22%31.26%31.41%30.95%46.32%27.08%31.63%29.94%-102 bps
Total Risk-Based Capital337%147.91%222%372%188.49%52.33%49.54%87.32%-28,448 bps
Equity / Assets28.12%28.62%30.66%26.02%34.39%28.82%24.34%26.26%+25 bps
Liquidity & Funding
Loans / Deposits7.65%14.09%12.59%3.54%2.15%17.30%12.29%3.90%+36 bps
Liquid Assets / Assets89.09%77.72%79.34%91.76%81.10%0.00%0.00%0.00%-9,176 bps
CRE / Total Capitaln/an/an/an/an/an/an/a0.00%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

FDS Bank

Mason, OH · Cert 33831 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=17-18)

FDIC · 1 branch

Q3 2025

$70.1MAssets
$273KLoans
$7.0MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 1 of 18).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 17 of 17).
  • Overall: at or above the peer median on 9 of 10 directional measures.

Return on Assets

671%

Rank 1 of 18

Net Interest Margin

4.06%

Rank 2 of 18

Efficiency Ratio

15.53%

Rank 1 of 18

Equity / Assets

26.26%

Rank 3 of 18

Non-interest income vs. expense

$702.4M$109.5MINCOMEEXPENSE
Favorable gap of $593.0M · efficiency ratio beats 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area
Bank 15.53%Peer median 75.3%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets671%0.37%0.75%1.03%Beats 94%1 / 18
Return on Equity2554%2.05%6.20%10.19%Beats 94%1 / 18
Net Interest Margin4.06%2.65%3.16%3.45%Beats 89%2 / 18
Efficiency Ratio15.53%67.42%75.29%85.88%Beats 100%1 / 18
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.21%0.48%Beats 100%3 / 17
Net Charge-Offs / Loans0.40%n/an/a0.01%Beats 6%17 / 17
Capital
Tier 1 Capital Ratio87.30%13.49%15.74%20.59%Beats 94%1 / 18
Total Risk-Based Capital Ratio87.32%14.33%15.74%21.35%Beats 94%1 / 18
Equity / Assets26.26%9.93%14.22%20.65%Beats 83%3 / 18
Liquidity & Funding
Loans / Deposits3.90%73.85%92.93%109.79%6th pctl17 / 18
Loans / Assets0.39%70.06%76.30%80.06%0th pctl17 / 17
Brokered Deposits / Deposits0.00%n/a2.36%7.53%Beats 100%8 / 18n/a