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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