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Relyance Bank

White Hall, AR · Cert 19371 · Jefferson Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Relyance Bank

White Hall, AR · Cert 19371 · Jefferson Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$194.4MEquity
Loan mix
78%RE $818.4M21%C&I $221.2M0%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.0B18%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.04%Q2 ’245.35%Q2 ’255.33%Q2 ’26+13%+7%

Non-interest income vs. expense

2.27%Q2 ’242.30%Q2 ’252.55%Q2 ’26+12%+15%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.8% share · #16 of 42 inst. · $0.3B of $36.9B

29.9% Jefferson
0.6% Pulaski
4.8% Saline
3.8% Garland

Executive Summary

  • Earnings: ROA of 1.21%, up 1 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.40% of loans (+15 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.27%, up 84 bps from a year ago.
  • Funding: loans stand at 92.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+24 bps YoY

Efficiency Ratio (YTD, annualized)

61.38%+271 bps YoY

Tier 1 Leverage Ratio

13.27%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.28%1.23%1.15%1.21%+1 bps
Return on Equity10.37%10.79%10.24%8.98%9.32%-104 bps
Net Interest Margin3.32%3.39%3.47%3.56%3.56%+24 bps
Efficiency Ratio58.67%57.28%56.95%62.63%61.38%+271 bps
Non-Interest Burden1.69%1.68%1.70%1.99%1.95%+25 bps
Growth
Asset Growth (YoY)10.60%2.61%2.38%-1.04%-5.93%-1,653 bps
Loan Growth (YoY)6.10%1.44%0.84%0.68%-3.52%-962 bps
Deposit Growth (YoY)10.69%5.41%1.10%-1.59%-8.09%-1,878 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.42%0.33%0.41%0.40%+15 bps
Net Charge-Offs / Loans0.01%0.08%0.19%0.01%0.02%+1 bps
Allowance / Loans1.16%1.13%1.19%1.25%1.22%+6 bps
Allowance Coverage of NPLs4.6x2.7x3.7x3.0x3.1x-1.6x
Capital
Tier 1 Leverage Ratio12.43%12.42%12.80%13.14%13.27%+84 bps
Total Risk-Based Capital14.25%14.32%15.07%15.57%15.77%+153 bps
Equity / Assets11.76%12.36%12.71%12.80%13.57%+182 bps
Liquidity & Funding
Loans / Deposits88.54%91.42%90.73%87.43%92.94%+441 bps
Liquid Assets / Assets8.41%4.81%6.16%9.57%4.71%-370 bps
CRE / Total Capitaln/a363%350%333%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Relyance Bank

White Hall, AR · Cert 19371 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Jefferson Bancshares Inc.

State charter, Fed member · FED · 21 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$194.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks $1B-$10B in assets operating in a single state (rank 29 of 258).
  • Widest gap: return on equity trails 76% of banks $1B-$10B in assets operating in a single state (rank 196 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.24%

Rank 127 of 258

Net Interest Margin

3.56%

Rank 116 of 258

Efficiency Ratio

61.58%

Rank 143 of 257

Equity / Assets

13.57%

Rank 29 of 258

Non-interest income vs. expense

$8.9M$37.6MINCOMEEXPENSE
Unfavorable gap of $28.7M · efficiency ratio beats 45% of banks $1B-$10B in assets operating in a single state
Bank 61.58%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.93%1.23%1.54%Beats 51%127 / 258
Return on Equity9.16%9.26%11.84%14.74%Beats 24%196 / 258
Net Interest Margin3.56%3.16%3.49%3.88%Beats 55%116 / 258
Efficiency Ratio61.58%51.71%60.30%69.65%Beats 45%143 / 257
Asset Quality
Nonperforming Loans / Loans0.40%0.19%0.46%0.90%Beats 56%115 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 51%127 / 258
Capital
Tier 1 Capital Ratio14.69%11.41%12.98%15.12%Beats 72%71 / 258
Total Risk-Based Capital Ratio15.77%12.10%13.91%16.08%Beats 72%71 / 258
Equity / Assets13.57%9.09%10.24%11.72%Beats 89%29 / 258
Liquidity & Funding
Loans / Deposits92.94%73.24%86.34%95.95%69th pctl81 / 258
Loans / Assets79.01%63.01%72.27%78.40%77th pctl60 / 258
Brokered Deposits / Depositsn/aNot reported for this institution