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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

5.16%Q2 ’245.48%Q2 ’255.41%Q2 ’26+17%+3%

Non-interest income vs. expense

2.22%Q2 ’242.31%Q2 ’252.51%Q2 ’26+10%+14%

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 1.28%, down 2 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.40% of loans (+15 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.28%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+12 bps YoY

Efficiency Ratio (quarter, annualized)

60.14%+360 bps YoY

Tier 1 Leverage Ratio

13.27%+84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.40%1.09%1.15%1.28%-2 bps
Return on Equity11.12%11.59%8.69%8.98%9.70%-142 bps
Net Interest Margin3.48%3.65%3.64%3.56%3.60%+12 bps
Efficiency Ratio56.54%54.78%56.01%62.63%60.14%+360 bps
Non-Interest Burden1.70%1.70%1.74%1.99%1.93%+23 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 / Loans0.02%0.21%0.53%0.01%0.04%+2 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