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Letter portraitLegal landscapeQuarterYTD

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 $1.0MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $29.6M31%Noninterest $13.5MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 0.62%, up 6 bps year over year; NIM at 3.70%.
  • 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.

Return on Assets (YTD, annualized)

0.62%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+16 bps YoY

Efficiency Ratio (YTD, annualized)

81.75%-105 bps YoY

Tier 1 Leverage Ratio

16.19%-11 bps YoY

NIM

3.85%Q2 ’244.12%Q2 ’254.13%Q2 ’26+9%+5%

Non-interest income vs. expense

3.45%Q2 ’243.44%Q2 ’253.52%Q2 ’26-5%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.39%0.52%0.56%0.69%0.66%0.57%0.62%+6 bps
Return on Equity2.16%2.87%3.73%3.96%4.70%4.47%3.76%4.05%+9 bps
Net Interest Margin3.27%3.32%3.41%3.53%3.71%3.67%3.58%3.70%+16 bps
Efficiency Ratio90.18%87.41%83.77%82.81%79.95%80.30%82.73%81.75%-105 bps
Non-Interest Burden2.90%2.83%2.75%2.82%2.83%2.83%2.86%2.91%+9 bps
Growth
Asset Growth (YoY)-1.92%-1.55%1.47%-0.35%-1.80%-1.33%3.15%2.36%+271 bps
Loan Growth (YoY)-9.77%-12.25%-14.87%-7.36%2.82%5.16%8.19%6.43%+1,379 bps
Deposit Growth (YoY)-4.89%-2.55%0.07%-2.44%-3.70%-3.97%2.24%1.63%+407 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.46%0.37%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.70%3.92%4.13%3.94%3.60%3.73%3.82%3.71%-23 bps
Allowance Coverage of NPLsn/an/a17.1xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.17%16.21%15.95%16.31%16.88%16.92%15.70%16.19%-11 bps
Total Risk-Based Capital16.17%16.21%15.95%16.31%16.88%16.92%15.70%16.19%-11 bps
Equity / Assets14.29%13.82%14.06%14.85%15.60%15.86%14.73%15.62%+77 bps
Liquidity & Funding
Loans / Deposits48.83%45.34%43.12%47.01%52.13%49.65%45.63%49.23%+222 bps
Liquid Assets / Assets12.01%16.34%15.02%7.16%6.64%9.03%16.20%13.30%+614 bps
CRE / Total Capitaln/an/an/an/a68.13%66.10%68.21%n/an/a