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Metz Banking Company

Nevada, MO · Cert 1945

State charter, non-member · FDIC · 2 branches

Q2 2026

$117.3MAssets
$76.3MLoans
$104.0MDeposits
$12.9MEquity
Loan mix
86%RE $60.5M13%C&I $9.2M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $70.5M32%Noninterest $33.5MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.45%Q2 ’255.22%Q2 ’26+10%-1%

Non-interest income vs. expense

1.88%Q2 ’242.15%Q2 ’251.81%Q2 ’26+15%-16%

Executive Summary

  • Earnings: ROA of 1.43%, up 30 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.60%, up 6 bps from a year ago.
  • Funding: loans stand at 73.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.43%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.43%-2 bps YoY

Efficiency Ratio (quarter, annualized)

50.72%-862 bps YoY

Tier 1 Leverage Ratio

11.60%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%0.95%0.97%1.08%1.43%+30 bps
Return on Equity10.74%8.88%8.79%9.78%13.06%+233 bps
Net Interest Margin3.45%3.46%3.43%3.32%3.43%-2 bps
Efficiency Ratio59.34%59.82%65.47%60.56%50.72%-862 bps
Non-Interest Burden1.98%2.00%2.21%1.94%1.66%-31 bps
Growth
Asset Growth (YoY)12.08%7.50%5.65%9.70%6.51%-557 bps
Loan Growth (YoY)0.94%-0.12%2.09%-1.38%-1.34%-228 bps
Deposit Growth (YoY)11.84%7.07%4.46%9.36%5.84%-600 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.06%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.03%1.06%1.02%1.03%1.01%-3 bps
Allowance Coverage of NPLsn/an/a16.7xn/an/an/a
Capital
Tier 1 Leverage Ratio11.54%11.51%11.42%11.45%11.60%+6 bps
Total Risk-Based Capital11.54%11.51%11.42%11.45%11.60%+6 bps
Equity / Assets10.44%10.92%11.15%10.88%10.96%+52 bps
Liquidity & Funding
Loans / Deposits78.72%77.20%77.86%72.37%73.38%-534 bps
Liquid Assets / Assets12.87%8.90%6.98%11.97%7.01%-586 bps
CRE / Total Capitaln/a183.12%185.31%181.37%n/an/a