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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 $3.7MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $69.0M27%Noninterest $25.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.01%, up 17 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.

Return on Assets (quarter, annualized)

1.01%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.31%+69 bps YoY

Efficiency Ratio (quarter, annualized)

63.23%-411 bps YoY

Tier 1 Leverage Ratio

15.15%+197 bps YoY

NIM

4.41%Q2 ’244.13%Q2 ’254.84%Q2 ’26+4%+26%

Non-interest income vs. expense

2.24%Q2 ’241.94%Q2 ’252.25%Q2 ’26-15%+19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.72%0.75%0.85%0.86%0.69%0.83%1.01%+17 bps
Return on Equity3.92%6.10%6.54%7.06%6.81%5.41%6.55%7.66%+60 bps
Net Interest Margin2.69%2.81%2.88%2.63%3.06%3.12%3.25%3.31%+69 bps
Efficiency Ratio74.55%69.18%69.36%67.34%63.65%60.08%63.51%63.23%-411 bps
Non-Interest Burden1.94%1.85%1.94%1.69%1.86%1.75%1.98%2.01%+32 bps
Growth
Asset Growth (YoY)2.94%-0.96%3.55%6.36%4.35%5.98%5.36%1.61%-475 bps
Loan Growth (YoY)7.88%6.41%12.95%7.71%5.57%9.95%8.02%3.37%-434 bps
Deposit Growth (YoY)-3.00%1.00%2.04%7.36%9.35%5.52%6.32%2.96%-440 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.06%0.01%0.00%-0.04%0.00%0.00%0.00%0 bps
Allowance / Loans1.28%1.25%1.19%1.21%1.21%1.15%1.16%1.24%+3 bps
Allowance Coverage of NPLs11.1xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.08%14.90%14.70%13.19%15.01%15.06%14.67%15.15%+197 bps
Total Risk-Based Capital18.26%18.55%17.90%18.34%18.64%18.21%18.43%19.27%+93 bps
Equity / Assets12.44%11.18%11.85%12.13%13.12%12.53%12.88%13.64%+150 bps
Liquidity & Funding
Loans / Deposits73.78%66.26%72.10%70.31%71.23%69.04%73.25%70.58%+27 bps
Liquid Assets / Assets1.93%5.77%3.53%5.73%1.68%3.41%3.88%4.68%-106 bps
CRE / Total Capitaln/an/an/an/a51.48%54.19%54.97%n/an/a