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Letter portraitLegal landscapeQuarterYTD

Federal Savings Bank, The

Chicago, IL · Cert 35518 · National Bcorp Holdings Inc.

State savings bank · OCC · 2 branches

Q2 2026

$1.1BAssets
$968.4MLoans
$741.1MDeposits
$165.1MEquity
Loan mix
98%RE $938.0M1%C&I $12.6M1%Consumer $10.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $671.3M9%Noninterest $69.8MQ2 2025Q2 2026

NIM

6.09%Q2 ’246.33%Q2 ’256.52%Q2 ’26+12%+10%

Non-interest income vs. expense

15.66%Q2 ’2416.94%Q2 ’2518.69%Q2 ’26-30%+56%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #55 of 147 inst. · $0.7B of $630.7B

0.1% Cook
0.9% Lake

Executive Summary

  • Earnings: ROA of 0.05%, down 48 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 2.69% of loans (+93 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 15.86%, up 190 bps from a year ago.
  • Funding: loans stand at 130.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+30 bps YoY

Efficiency Ratio (YTD, annualized)

99.72%+496 bps YoY

Tier 1 Leverage Ratio

15.86%+190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.72%0.69%-0.17%0.05%-48 bps
Return on Equity4.04%5.41%5.07%-1.12%0.35%-369 bps
Net Interest Margin3.04%3.12%3.18%3.09%3.34%+30 bps
Efficiency Ratio94.76%94.28%94.22%102.10%99.72%+496 bps
Non-Interest Burden2.10%2.08%2.12%3.46%3.29%+118 bps
Growth
Asset Growth (YoY)3.60%-1.96%-3.50%-9.71%-11.80%-1,540 bps
Loan Growth (YoY)3.76%0.21%2.27%-6.92%-11.08%-1,485 bps
Deposit Growth (YoY)10.15%-1.67%6.78%-3.16%-5.78%-1,593 bps
Asset Quality
Nonperforming Loans / Loans1.76%2.24%3.35%3.47%2.69%+93 bps
Net Charge-Offs / Loans0.23%0.27%0.24%0.21%0.20%-3 bps
Allowance / Loans0.73%0.60%0.69%0.63%0.61%-12 bps
Allowance Coverage of NPLs0.4x0.3x0.2x0.2x0.2x-0.2x
Capital
Tier 1 Leverage Ratio13.95%14.17%14.44%15.01%15.86%+190 bps
Total Risk-Based Capital18.44%18.60%20.17%20.89%20.68%+224 bps
Equity / Assets13.08%13.89%14.52%15.36%15.28%+220 bps
Liquidity & Funding
Loans / Deposits138.46%136.22%122.10%126.42%130.66%-780 bps
Liquid Assets / Assets3.57%2.50%4.41%3.55%3.91%+34 bps
CRE / Total Capitaln/a157.56%137.81%132.28%n/an/a