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Letter portraitLegal landscapeQuarterYTD

Riddell National Bank, The

Brazil, IN · Cert 4318 · RNB Corp.

National charter · OCC · 6 branches

Q2 2026

$384.3MAssets
$293.8MLoans
$346.9MDeposits
$29.1MEquity
Loan mix
76%RE $215.6M15%C&I $42.0M9%Consumer $25.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $279.3M19%Noninterest $67.6MQ2 2025Q2 2026

NIM

4.90%Q2 ’245.34%Q2 ’255.45%Q2 ’26+26%+9%

Non-interest income vs. expense

2.71%Q2 ’242.70%Q2 ’252.63%Q2 ’26-3%+2%

Market Position · Terre Haute, IN · 2026 SOD (annual) · 8.7% share · #4 of 8 inst. · $0.3B of $4.0B

44.7% Clay
4.1% Vigo
0.8% Parke

Executive Summary

  • Earnings: ROA of 1.25%, up 20 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.92% of loans (-8 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.49%, up 6 bps from a year ago.
  • Funding: loans stand at 84.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.25%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+29 bps YoY

Efficiency Ratio (quarter, annualized)

62.21%-441 bps YoY

Tier 1 Leverage Ratio

8.49%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.93%0.78%0.93%1.25%+20 bps
Return on Equity15.12%12.83%10.50%12.39%16.67%+155 bps
Net Interest Margin3.34%3.32%3.45%3.48%3.62%+29 bps
Efficiency Ratio66.61%68.61%69.82%66.81%62.21%-441 bps
Non-Interest Burden1.98%2.08%2.24%2.13%2.03%+4 bps
Growth
Asset Growth (YoY)5.36%7.50%3.35%6.65%9.31%+396 bps
Loan Growth (YoY)4.80%7.17%6.01%7.10%7.37%+257 bps
Deposit Growth (YoY)10.33%11.77%6.77%7.69%10.71%+38 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.05%1.21%1.05%0.92%-8 bps
Net Charge-Offs / Loans-0.05%0.05%0.28%0.08%0.05%+10 bps
Allowance / Loans1.24%1.22%1.21%1.21%1.21%-3 bps
Allowance Coverage of NPLs1.2x1.2x1.0x1.1x1.3x+0.1x
Capital
Tier 1 Leverage Ratio8.42%8.48%8.38%8.40%8.49%+6 bps
Total Risk-Based Capital12.25%12.11%12.15%12.01%12.22%-2 bps
Equity / Assets7.12%7.41%7.52%7.44%7.58%+46 bps
Liquidity & Funding
Loans / Deposits87.34%87.04%87.38%84.16%84.70%-263 bps
Liquid Assets / Assets0.74%1.42%0.18%2.67%2.43%+169 bps
CRE / Total Capitaln/a228%217%199.12%n/an/a