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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

4.96%Q2 ’245.08%Q2 ’255.08%Q2 ’26+8%+3%

Non-interest income vs. expense

2.36%Q2 ’242.53%Q2 ’252.57%Q2 ’26+21%+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 1.58%, up 8 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.58%+8 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+13 bps YoY

Efficiency Ratio (quarter, annualized)

56.08%-96 bps YoY

Tier 1 Leverage Ratio

11.26%+88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.78%1.40%1.82%1.58%+8 bps
Return on Equity15.52%17.32%13.45%17.60%14.81%-71 bps
Net Interest Margin3.92%4.03%4.03%3.96%4.05%+13 bps
Efficiency Ratio57.04%48.35%61.29%48.62%56.08%-96 bps
Non-Interest Burden2.01%1.65%2.25%1.64%2.03%+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 / Loans-0.01%-0.01%0.02%-0.04%0.00%+1 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