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Letter portraitLegal landscapeQuarterYTD

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