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Trustbank

Olney, IL · Cert 14662 · Rich Land Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$640.2MAssets
$547.1MLoans
$557.6MDeposits
$64.3MEquity
Loan mix
92%RE $450.2M7%C&I $32.9M1%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $455.9M18%Noninterest $101.6MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.75%Q2 ’255.79%Q2 ’26+7%+7%

Non-interest income vs. expense

3.20%Q2 ’243.22%Q2 ’253.39%Q2 ’26+3%-2%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #41 of 55 inst. · $0.1B of $192.0B

45.2% Richland
0.1% Maricopa
12.0% Douglas
0.1% DuPage

Executive Summary

  • Earnings: ROA of 1.53%, up 14 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.73% of loans (-101 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 9.81%, up 36 bps from a year ago.
  • Funding: loans stand at 98.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+25 bps YoY

Efficiency Ratio (YTD, annualized)

61.31%-191 bps YoY

Tier 1 Leverage Ratio

9.81%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.41%1.26%1.46%1.53%+14 bps
Return on Equity14.44%14.67%13.03%14.90%15.50%+107 bps
Net Interest Margin3.72%3.73%3.68%3.83%3.96%+25 bps
Efficiency Ratio63.22%63.64%66.15%64.16%61.31%-191 bps
Non-Interest Burden1.85%1.86%1.96%1.90%1.82%-3 bps
Growth
Asset Growth (YoY)5.32%6.86%7.27%6.32%7.64%+231 bps
Loan Growth (YoY)9.25%6.97%2.87%4.08%7.00%-225 bps
Deposit Growth (YoY)4.16%7.47%7.14%7.46%9.97%+581 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.66%1.48%2.03%0.73%-101 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.01%0.26%+26 bps
Allowance / Loans1.18%1.20%1.23%1.23%1.14%-4 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.6x1.6x+0.9x
Capital
Tier 1 Leverage Ratio9.45%9.63%9.38%9.53%9.81%+36 bps
Total Risk-Based Capital9.45%9.63%9.38%9.53%9.81%+36 bps
Equity / Assets9.84%9.70%9.79%9.75%10.04%+21 bps
Liquidity & Funding
Loans / Deposits100.84%94.84%94.14%92.52%98.12%-272 bps
Liquid Assets / Assets1.60%7.02%6.69%7.81%1.46%-13 bps
CRE / Total Capitaln/a302%292%285%n/an/a