Brazil, IN · Cert 4318 · RNB Corp.
National charter · OCC · 6 branches
Q2 2026
Market Position · Terre Haute, IN · 2026 SOD (annual) · 8.7% share · #4 of 8 inst. · $0.3B of $4.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.62% | 0.84% | 0.87% | 0.85% | 0.93% | 1.09% | +26 bps | |
| Return on Equity | 8.45% | 8.90% | 9.22% | 12.24% | 12.40% | 11.93% | 12.39% | 14.56% | +232 bps | |
| Net Interest Margin | 2.64% | 2.63% | 2.99% | 3.17% | 3.18% | 3.21% | 3.48% | 3.51% | +34 bps | |
| Efficiency Ratio | 78.49% | 77.87% | 72.89% | 69.60% | 69.25% | 69.40% | 66.81% | 64.43% | -517 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 2.00% | 2.00% | 2.00% | 2.04% | 2.13% | 2.06% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 9.66% | 8.04% | 5.36% | 7.50% | 3.35% | 6.65% | 9.31% | +396 bps | |
| Loan Growth (YoY) | 11.31% | 10.12% | 6.84% | 4.80% | 7.17% | 6.01% | 7.10% | 7.37% | +257 bps | |
| Deposit Growth (YoY) | 4.37% | 7.80% | 11.03% | 10.33% | 11.77% | 6.77% | 7.69% | 10.71% | +38 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.23% | 1.05% | 1.00% | 1.05% | 1.21% | 1.05% | 0.92% | -8 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 0.35% | 0.15% | 0.11% | 0.15% | 0.08% | 0.07% | -8 bps | |
| Allowance / Loans | 1.20% | 1.23% | 1.22% | 1.24% | 1.22% | 1.21% | 1.21% | 1.21% | -3 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.2x | 1.2x | 1.2x | 1.0x | 1.1x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.16% | 8.16% | 8.42% | 8.48% | 8.38% | 8.40% | 8.49% | +6 bps | |
| Total Risk-Based Capital | 12.16% | 11.82% | 11.96% | 12.25% | 12.11% | 12.15% | 12.01% | 12.22% | -2 bps | |
| Equity / Assets | 7.31% | 6.57% | 6.83% | 7.12% | 7.41% | 7.52% | 7.44% | 7.58% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.77% | 88.00% | 84.62% | 87.34% | 87.04% | 87.38% | 84.16% | 84.70% | -263 bps | |
| Liquid Assets / Assets | 0.32% | 3.37% | 3.37% | 0.74% | 1.42% | 0.18% | 2.67% | 2.43% | +169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 228% | 217% | 199.12% | n/a | n/a | |