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RG Bank, A Savings and Loan Association

Monte Vista, CO · Cert 28315

SL · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

RG Bank, A Savings and Loan Association

Monte Vista, CO · Cert 28315

SL · FDIC · 3 branches

Q2 2026

$136.7MAssets
$108.8MLoans
$121.4MDeposits
$14.7MEquity
Loan mix
96%RE $101.1M3%C&I $2.6M2%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $95.9M21%Noninterest $25.4MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.81%Q2 ’254.83%Q2 ’26+7%+5%

Non-interest income vs. expense

3.60%Q2 ’243.64%Q2 ’253.56%Q2 ’26+1%-1%

Executive Summary

  • Earnings: ROA of 0.60%, up 20 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 1.50% of loans (-37 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.86%, up 63 bps from a year ago.
  • Funding: loans stand at 89.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+18 bps YoY

Efficiency Ratio (YTD, annualized)

83.81%-470 bps YoY

Tier 1 Leverage Ratio

11.86%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.55%0.59%0.61%0.60%+20 bps
Return on Equity4.30%5.82%6.13%5.84%5.64%+134 bps
Net Interest Margin3.62%3.73%3.82%3.82%3.80%+18 bps
Efficiency Ratio88.51%84.37%83.39%83.04%83.81%-470 bps
Non-Interest Burden3.14%3.07%3.11%3.10%3.11%-3 bps
Growth
Asset Growth (YoY)2.54%-0.98%-2.94%-1.26%-0.56%-310 bps
Loan Growth (YoY)3.93%1.53%1.29%-1.62%0.67%-326 bps
Deposit Growth (YoY)1.97%3.95%0.89%-1.47%-0.66%-263 bps
Asset Quality
Nonperforming Loans / Loans1.87%1.72%1.41%1.36%1.50%-37 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.03%0.01%+1 bps
Allowance / Loans1.26%1.26%1.28%1.21%1.21%-6 bps
Allowance Coverage of NPLs0.7x0.7x0.9x0.9x0.8x+0.1x
Capital
Tier 1 Leverage Ratio11.23%11.36%11.65%11.84%11.86%+63 bps
Total Risk-Based Capital11.23%11.36%11.65%11.84%11.86%+63 bps
Equity / Assets9.48%10.09%10.42%10.63%10.74%+126 bps
Liquidity & Funding
Loans / Deposits88.47%88.50%88.54%87.79%89.66%+119 bps
Liquid Assets / Assets2.36%1.90%1.86%3.53%2.06%-29 bps
CRE / Total Capitaln/a129.71%123.10%125.66%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

RG Bank, A Savings and Loan Association

Monte Vista, CO · Cert 28315 · Peer group: banks under $1B in assets (n=581-629)

SL · FDIC · 3 branches

Q2 2026

$136.7MAssets
$108.8MLoans
$121.4MDeposits
$14.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 63% of banks under $1B in assets (rank 232 of 629).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets (rank 474 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.60%

Rank 478 of 629

Net Interest Margin

3.80%

Rank 232 of 629

Efficiency Ratio

83.81%

Rank 508 of 629

Equity / Assets

10.74%

Rank 310 of 629

Non-interest income vs. expense

$0.6M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 19% of banks under $1B in assets
Bank 83.81%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.60%1.01%1.45%Beats 24%478 / 629
Return on Equity5.55%5.38%9.30%13.28%Beats 26%466 / 629
Net Interest Margin3.80%3.03%3.54%4.05%Beats 63%232 / 629
Efficiency Ratio83.81%58.35%67.79%79.08%Beats 19%508 / 629
Asset Quality
Nonperforming Loans / Loans1.50%0.09%0.46%1.20%Beats 19%474 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 55%267 / 581
Capital
Tier 1 Capital Ratio11.86%11.24%13.84%18.77%Beats 32%429 / 629
Total Risk-Based Capital Ratio11.86%11.58%14.43%19.66%Beats 27%458 / 629
Equity / Assets10.74%9.09%10.65%13.80%Beats 51%310 / 629
Liquidity & Funding
Loans / Deposits89.66%67.24%80.90%93.48%68th pctl189 / 594
Loans / Assets79.60%53.31%67.71%78.15%81st pctl120 / 629
Brokered Deposits / Depositsn/aNot reported for this institution