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Letter portraitLegal landscapeQuarterYTD

TPNB Bank

Paris, MO · Cert 4556 · Paris Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$112.0MAssets
$66.4MLoans
$94.1MDeposits
$15.3MEquity
Loan mix
84%RE $51.4M10%C&I $6.1M6%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $69.0M27%Noninterest $25.1MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.08%Q2 ’254.85%Q2 ’26+6%+28%

Non-interest income vs. expense

2.18%Q2 ’241.92%Q2 ’252.25%Q2 ’26-12%+18%

Executive Summary

  • Earnings: ROA of 0.92%, up 12 bps year over year; NIM at 3.31%.
  • 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 15.15%, up 197 bps from a year ago.
  • Funding: loans stand at 70.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+72 bps YoY

Efficiency Ratio (YTD, annualized)

63.37%-496 bps YoY

Tier 1 Leverage Ratio

15.15%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.82%0.78%0.83%0.92%+12 bps
Return on Equity6.81%6.79%6.43%6.55%7.10%+29 bps
Net Interest Margin2.59%2.96%2.98%3.25%3.31%+72 bps
Efficiency Ratio68.33%66.72%64.96%63.51%63.37%-496 bps
Non-Interest Burden1.70%1.89%1.84%1.98%2.01%+31 bps
Growth
Asset Growth (YoY)6.36%4.35%5.98%5.36%1.61%-475 bps
Loan Growth (YoY)7.71%5.57%9.95%8.02%3.37%-434 bps
Deposit Growth (YoY)7.36%9.35%5.52%6.32%2.96%-440 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%0.00%0 bps
Allowance / Loans1.21%1.21%1.15%1.16%1.24%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.19%15.01%15.06%14.67%15.15%+197 bps
Total Risk-Based Capital18.34%18.64%18.21%18.43%19.27%+93 bps
Equity / Assets12.13%13.12%12.53%12.88%13.64%+150 bps
Liquidity & Funding
Loans / Deposits70.31%71.23%69.04%73.25%70.58%+27 bps
Liquid Assets / Assets5.73%1.68%3.41%3.88%4.68%-106 bps
CRE / Total Capitaln/a51.48%54.19%54.97%n/an/a