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Letter portraitLegal landscapeQuarterYTD

RBC Bank (Georgia), National Association

Atlanta, GA · Cert 26342 · Royal Bank of Canada

National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)

Q2 2026

$9.6BAssets
$4.4BLoans
$8.5BDeposits
$956.8MEquity
Loan mix
90%RE $2.6B0%C&I $0.0B10%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $7.0B18%Noninterest $1.5BQ2 2025Q2 2026

NIM

4.37%Q2 ’244.50%Q2 ’254.37%Q2 ’26+9%-4%

Non-interest income vs. expense

1.31%Q2 ’241.50%Q2 ’251.10%Q2 ’26+40%-30%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 3.3% share · #7 of 81 inst. · $8.5B of $255.1B

Executive Summary

  • Earnings: ROA of 2.64%, up 14 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.41% of loans (-28 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 10.42%, down 140 bps from a year ago.
  • Funding: loans stand at 51.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.64%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.91%-18 bps YoY

Efficiency Ratio (quarter, annualized)

23.85%-650 bps YoY

Tier 1 Leverage Ratio

10.42%-140 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.50%2.52%2.58%2.30%2.64%+14 bps
Return on Equity21.78%22.09%23.43%21.57%25.94%+417 bps
Net Interest Margin4.10%3.99%3.97%3.86%3.91%-18 bps
Efficiency Ratio30.35%29.48%26.01%30.90%23.85%-650 bps
Non-Interest Burden0.73%0.71%0.53%0.74%0.51%-22 bps
Growth
Asset Growth (YoY)6.27%10.52%19.08%27.80%39.74%+3,346 bps
Loan Growth (YoY)2.60%1.13%8.63%18.94%54.72%+5,212 bps
Deposit Growth (YoY)5.34%10.24%18.45%28.86%42.71%+3,737 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.68%0.66%0.61%0.41%-28 bps
Net Charge-Offs / Loans0.43%0.41%0.43%0.38%0.26%-16 bps
Allowance / Loans0.81%0.84%0.74%0.69%0.52%-29 bps
Allowance Coverage of NPLs1.2x1.2x1.1x1.1x1.3x+0.1x
Capital
Tier 1 Leverage Ratio11.82%11.35%11.14%10.81%10.42%-140 bps
Total Risk-Based Capital41.38%41.60%42.14%45.00%49.16%+777 bps
Equity / Assets11.81%11.07%10.96%10.37%9.97%-183 bps
Liquidity & Funding
Loans / Deposits47.40%43.99%44.62%44.41%51.39%+399 bps
Liquid Assets / Assets3.05%3.12%4.88%3.58%3.16%+11 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a