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Robertson Banking Company

Demopolis, AL · Cert 39 · RBC Inc.

State charter, non-member · FDIC · 8 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=573 to 620). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

86

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 2026-10-10

Robertson Banking Company

Demopolis, AL · Cert 39 · RBC Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$462.7MAssets
$314.7MLoans
$399.5MDeposits
$51.1MEquity
Loan mix
93%RE $278.2M5%C&I $16.2M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $270.3M32%Noninterest $129.2MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.02%Q2 ’255.04%Q2 ’26+6%+4%

Non-interest income vs. expense

2.28%Q2 ’242.35%Q2 ’252.38%Q2 ’26+9%+1%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 1.3% share · #16 of 30 inst. · $0.1B of $5.5B

54.9% Marengo
1.5% Tuscaloosa
0.1% Jefferson

Executive Summary

  • Earnings: ROA of 1.71%, up 8 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.26%, up 88 bps from a year ago.
  • Funding: loans stand at 78.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+14 bps YoY

Efficiency Ratio (YTD, annualized)

52.38%-103 bps YoY

Tier 1 Leverage Ratio

11.26%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.68%1.62%1.82%1.71%+8 bps
Return on Equity17.19%17.21%16.42%17.60%16.16%-103 bps
Net Interest Margin3.86%3.92%3.97%3.96%4.00%+14 bps
Efficiency Ratio53.41%51.67%54.10%48.62%52.38%-103 bps
Non-Interest Burden1.82%1.76%1.89%1.64%1.83%+2 bps
Growth
Asset Growth (YoY)1.12%0.53%0.39%0.25%-3.22%-434 bps
Loan Growth (YoY)-2.42%-3.23%-4.52%-1.22%0.64%+306 bps
Deposit Growth (YoY)0.19%-0.46%-1.11%-0.71%-4.55%-474 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.11%0.11%0.07%0.13%+1 bps
Net Charge-Offs / Loans0.01%0.00%0.01%-0.04%-0.02%-3 bps
Allowance / Loans1.51%1.49%1.51%1.53%1.51%0 bps
Allowance Coverage of NPLs13.2x13.3x14.0x22.6x11.7x-1.5x
Capital
Tier 1 Leverage Ratio10.38%10.85%10.32%10.88%11.26%+88 bps
Total Risk-Based Capital15.87%16.21%15.33%15.69%16.11%+24 bps
Equity / Assets9.89%10.63%10.25%10.38%11.03%+114 bps
Liquidity & Funding
Loans / Deposits74.70%76.66%76.42%74.95%78.77%+406 bps
Liquid Assets / Assets6.74%2.53%3.92%3.86%1.63%-510 bps
CRE / Total Capitaln/a380%394%374%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 2026-10-10

Robertson Banking Company

Demopolis, AL · Cert 39 · Peer group: banks under $1B in assets (n=573-620) · RBC Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$462.7MAssets
$314.7MLoans
$399.5MDeposits
$51.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 86 of 620).
  • Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets (rank 421 of 573).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.73%

Rank 103 of 620

Net Interest Margin

4.00%

Rank 161 of 620

Efficiency Ratio

52.38%

Rank 86 of 620

Equity / Assets

11.03%

Rank 275 of 620

Non-interest income vs. expense

$2.6M$11.2MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 86% of banks under $1B in assets
Bank 52.38%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.60%1.00%1.45%Beats 83%103 / 620
Return on Equity15.66%5.30%9.30%13.29%Beats 86%86 / 620
Net Interest Margin4.00%3.02%3.53%4.04%Beats 74%161 / 620
Efficiency Ratio52.38%58.35%68.08%79.37%Beats 86%86 / 620
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.47%1.27%Beats 72%162 / 573
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 27%421 / 573
Capital
Tier 1 Capital Ratio14.86%11.27%13.87%18.78%Beats 58%263 / 620
Total Risk-Based Capital Ratio16.11%11.69%14.57%19.67%Beats 61%242 / 620
Equity / Assets11.03%9.03%10.60%13.73%Beats 56%275 / 620
Liquidity & Funding
Loans / Deposits78.77%65.08%79.69%92.47%48th pctl304 / 585
Loans / Assets68.01%51.85%67.17%77.86%52nd pctl295 / 620
Brokered Deposits / Depositsn/aNot reported for this institution