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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

5.74%Q2 ’245.85%Q2 ’255.98%Q2 ’26+7%+8%

Non-interest income vs. expense

3.17%Q2 ’243.24%Q2 ’253.37%Q2 ’26+12%-8%

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 1.60%, up 30 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.73% of loans (-101 bps YoY), with net charge-offs at 0.51%.
  • 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 (quarter, annualized)

1.60%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.14%+29 bps YoY

Efficiency Ratio (quarter, annualized)

58.68%-382 bps YoY

Tier 1 Leverage Ratio

9.81%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.48%0.80%1.46%1.60%+30 bps
Return on Equity13.44%15.16%8.16%14.90%16.18%+274 bps
Net Interest Margin3.84%3.86%3.90%3.83%4.14%+29 bps
Efficiency Ratio62.50%64.42%73.08%64.16%58.68%-382 bps
Non-Interest Burden1.91%1.93%2.44%1.90%1.76%-15 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%0.01%0.12%0.01%0.51%+51 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