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Bank of Advance, The

Advance, MO · Cert 9369 · Miles Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$509.9MAssets
$408.0MLoans
$438.7MDeposits
$66.9MEquity
Loan mix
81%RE $299.0M12%C&I $42.8M8%Consumer $28.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $366.5M16%Noninterest $72.3MQ2 2025Q2 2026

NIM

6.16%Q2 ’246.38%Q2 ’256.40%Q2 ’26+9%+6%

Non-interest income vs. expense

2.53%Q2 ’242.57%Q2 ’252.55%Q2 ’26+3%-3%

Executive Summary

  • Earnings: ROA of 1.94%, up 14 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.75% of loans (+9 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 13.01%, up 17 bps from a year ago.
  • Funding: loans stand at 93.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.94%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.65%+26 bps YoY

Efficiency Ratio (quarter, annualized)

48.06%-329 bps YoY

Tier 1 Leverage Ratio

13.01%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.92%1.57%1.88%1.94%+14 bps
Return on Equity14.78%15.06%12.78%15.63%15.14%+36 bps
Net Interest Margin4.39%4.47%4.51%4.49%4.65%+26 bps
Efficiency Ratio51.36%47.51%51.11%47.14%48.06%-329 bps
Non-Interest Burden1.95%1.81%2.00%1.82%1.89%-6 bps
Growth
Asset Growth (YoY)2.19%2.86%8.20%3.73%2.45%+27 bps
Loan Growth (YoY)6.43%6.82%5.64%3.81%3.40%-302 bps
Deposit Growth (YoY)1.49%2.35%8.16%3.14%2.15%+66 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.72%1.61%0.70%0.75%+9 bps
Net Charge-Offs / Loans0.01%0.31%0.19%0.19%0.07%+6 bps
Allowance / Loans1.39%1.36%1.42%1.45%1.52%+13 bps
Allowance Coverage of NPLs2.1x1.9x0.9x2.1x2.0x-0.1x
Capital
Tier 1 Leverage Ratio12.84%13.40%12.14%12.52%13.01%+17 bps
Total Risk-Based Capital12.84%13.40%12.14%12.52%13.01%+17 bps
Equity / Assets12.35%13.10%11.59%12.48%13.11%+77 bps
Liquidity & Funding
Loans / Deposits91.87%94.05%87.42%91.34%93.00%+112 bps
Liquid Assets / Assets2.08%1.07%6.16%2.36%0.61%-147 bps
CRE / Total Capitaln/a118.19%128.73%132.47%n/an/a