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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 $1.0MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $70.5M32%Noninterest $33.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.26%, up 20 bps year over year; NIM at 3.36%.
  • 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.

Return on Assets (YTD, annualized)

1.26%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+12 bps YoY

Efficiency Ratio (YTD, annualized)

55.57%-482 bps YoY

Tier 1 Leverage Ratio

11.60%+6 bps YoY

NIM

4.99%Q2 ’245.29%Q2 ’255.17%Q2 ’26+6%+4%

Non-interest income vs. expense

2.06%Q2 ’242.07%Q2 ’251.96%Q2 ’26+1%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.75%0.99%1.06%1.02%1.01%1.08%1.26%+20 bps
Return on Equity8.19%7.33%9.56%10.18%9.72%9.52%9.78%11.44%+126 bps
Net Interest Margin3.03%2.94%3.10%3.25%3.26%3.26%3.32%3.36%+12 bps
Efficiency Ratio65.99%69.67%61.57%60.39%60.19%61.56%60.56%55.57%-482 bps
Non-Interest Burden1.93%1.99%1.84%1.89%1.89%1.95%1.94%1.80%-10 bps
Growth
Asset Growth (YoY)7.30%5.66%7.86%12.08%7.50%5.65%9.70%6.51%-557 bps
Loan Growth (YoY)6.40%1.58%0.17%0.94%-0.12%2.09%-1.38%-1.34%-228 bps
Deposit Growth (YoY)5.77%5.09%7.15%11.84%7.07%4.46%9.36%5.84%-600 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.07%1.05%1.03%1.06%1.02%1.03%1.01%-3 bps
Allowance Coverage of NPLs131.7x12.0xn/an/an/a16.7xn/an/an/a
Capital
Tier 1 Leverage Ratio12.01%11.48%11.55%11.54%11.51%11.42%11.45%11.60%+6 bps
Total Risk-Based Capital12.01%11.48%11.55%11.54%11.51%11.42%11.45%11.60%+6 bps
Equity / Assets10.57%10.15%10.62%10.44%10.92%11.15%10.88%10.96%+52 bps
Liquidity & Funding
Loans / Deposits82.76%79.67%80.25%78.72%77.20%77.86%72.37%73.38%-534 bps
Liquid Assets / Assets4.88%9.40%7.60%12.87%8.90%6.98%11.97%7.01%-586 bps
CRE / Total Capitaln/an/an/an/a183.12%185.31%181.37%n/an/a