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Eaglemark Savings Bank

Reno, NV · Cert 34313

State charter, non-member · FDIC · 1 branch

Q2 2026

$755.7MAssets
$684.1MLoans
$519.4MDeposits
$175.0MEquity
Loan mix
0%RE $0.0M0%C&I $0.0M100%Consumer $655.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $519.0M0%Noninterest $0.4MQ2 2025Q2 2026

NIM

8.37%Q2 ’248.93%Q2 ’259.12%Q2 ’26+3%+6%

Non-interest income vs. expense

2.73%Q2 ’242.62%Q2 ’252.59%Q2 ’26+1%-11%

Market Position · Reno, NV · 2026 SOD (annual) · 3.4% share · #8 of 17 inst. · $0.5B of $15.5B

Executive Summary

  • Earnings: ROA of 4.54%, up 31 bps year over year; NIM at 6.45%.
  • 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 23.68%, up 415 bps from a year ago.
  • Funding: loans stand at 131.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.54%+31 bps YoY

Net Interest Margin (YTD, annualized)

6.45%+35 bps YoY

Efficiency Ratio (YTD, annualized)

30.16%-177 bps YoY

Tier 1 Leverage Ratio

23.68%+415 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.23%4.32%4.36%4.48%4.54%+31 bps
Return on Equity22.99%23.06%22.63%20.19%20.19%-280 bps
Net Interest Margin6.10%6.08%6.22%6.33%6.45%+35 bps
Efficiency Ratio31.93%31.08%30.91%29.74%30.16%-177 bps
Non-Interest Burden0.52%0.50%0.50%0.44%0.46%-6 bps
Growth
Asset Growth (YoY)10.64%6.50%2.92%0.51%2.35%-828 bps
Loan Growth (YoY)10.50%5.74%3.28%0.36%0.85%-965 bps
Deposit Growth (YoY)6.70%1.19%-2.52%-6.91%-3.95%-1,065 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.02%0.02%0.02%0.02%0.02%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.54%20.02%21.34%22.72%23.68%+415 bps
Total Risk-Based Capital20.34%21.09%22.89%24.69%24.86%+452 bps
Equity / Assets19.16%19.67%21.27%23.10%23.16%+400 bps
Liquidity & Funding
Loans / Deposits125.44%123.62%124.09%136.31%131.71%+627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a