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Richton Bank & Trust Company

Richton, MS · Cert 11817 · Centon Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$52.0MAssets
$21.2MLoans
$43.1MDeposits
$8.1MEquity
Loan mix
67%RE $13.8M28%C&I $5.8M5%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $29.6M31%Noninterest $13.5MQ2 2025Q2 2026

NIM

3.83%Q2 ’244.21%Q2 ’254.22%Q2 ’26+12%+4%

Non-interest income vs. expense

3.49%Q2 ’243.45%Q2 ’253.57%Q2 ’26-4%+2%

Market Position · Hattiesburg, MS · 2026 SOD (annual) · 1.0% share · #15 of 20 inst. · $0.0B of $4.1B

Executive Summary

  • Earnings: ROA of 0.67%, up 6 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.19%, down 11 bps from a year ago.
  • Funding: loans stand at 49.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.67%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.75%+13 bps YoY

Efficiency Ratio (quarter, annualized)

80.82%-105 bps YoY

Tier 1 Leverage Ratio

16.19%-11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.94%0.59%0.57%0.67%+6 bps
Return on Equity4.19%6.15%3.78%3.76%4.39%+20 bps
Net Interest Margin3.62%3.94%3.66%3.58%3.75%+13 bps
Efficiency Ratio81.87%74.83%81.43%82.73%80.82%-105 bps
Non-Interest Burden2.86%2.76%2.91%2.86%2.91%+5 bps
Growth
Asset Growth (YoY)-0.35%-1.80%-1.33%3.15%2.36%+271 bps
Loan Growth (YoY)-7.36%2.82%5.16%8.19%6.43%+1,379 bps
Deposit Growth (YoY)-2.44%-3.70%-3.97%2.24%1.63%+407 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.94%3.60%3.73%3.82%3.71%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.31%16.88%16.92%15.70%16.19%-11 bps
Total Risk-Based Capital16.31%16.88%16.92%15.70%16.19%-11 bps
Equity / Assets14.85%15.60%15.86%14.73%15.62%+77 bps
Liquidity & Funding
Loans / Deposits47.01%52.13%49.65%45.63%49.23%+222 bps
Liquid Assets / Assets7.16%6.64%9.03%16.20%13.30%+614 bps
CRE / Total Capitaln/a68.13%66.10%68.21%n/an/a