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Town & Country Bank

Las Vegas, NV · Cert 57312 · R Dean Phillips Bk Tr Dated 11-19-2004

State charter, non-member · FDIC · 6 affiliate banks · 4 branches (43 in holding)

Q2 2026

$206.9MAssets
$175.2MLoans
$169.9MDeposits
$31.5MEquity
Loan mix
95%RE $169.1M4%C&I $7.9M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $110.2M35%Noninterest $59.7MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.75%Q2 ’256.10%Q2 ’26-2%+5%

Non-interest income vs. expense

2.29%Q2 ’242.15%Q2 ’252.43%Q2 ’26-6%+15%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #27 of 41 inst. · $0.2B of $95.0B

Executive Summary

  • Earnings: ROA of 1.82%, down 9 bps year over year; NIM at 4.82%.
  • Asset quality: problem loans at 0.00% of loans (-74 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.86%, down 67 bps from a year ago.
  • Funding: loans stand at 103.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.82%-9 bps YoY

Net Interest Margin (quarter, annualized)

4.82%+23 bps YoY

Efficiency Ratio (quarter, annualized)

50.42%+390 bps YoY

Tier 1 Leverage Ratio

14.86%-67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%2.05%1.63%1.79%1.82%-9 bps
Return on Equity13.34%14.03%11.95%13.85%12.79%-55 bps
Net Interest Margin4.59%4.78%4.55%4.58%4.82%+23 bps
Efficiency Ratio46.51%46.50%54.05%44.00%50.42%+390 bps
Non-Interest Burden2.11%2.19%2.44%2.00%2.43%+31 bps
Growth
Asset Growth (YoY)15.22%14.76%26.61%14.19%-1.34%-1,656 bps
Loan Growth (YoY)13.35%20.30%16.34%15.38%11.72%-163 bps
Deposit Growth (YoY)23.21%17.18%34.86%15.53%-5.27%-2,848 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.00%0.00%0.00%0.00%-74 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.44%1.35%1.36%1.32%1.36%-7 bps
Allowance Coverage of NPLs1.9xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.53%15.31%13.70%14.40%14.86%-67 bps
Total Risk-Based Capital15.53%15.31%13.70%14.40%14.86%-67 bps
Equity / Assets14.30%14.86%12.49%13.37%15.23%+93 bps
Liquidity & Funding
Loans / Deposits87.44%92.25%81.75%90.56%103.12%+1,568 bps
Liquid Assets / Assets10.84%8.24%17.06%10.94%3.50%-734 bps
CRE / Total Capitaln/a444%486%503%n/an/a