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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 $28.0MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $366.5M16%Noninterest $72.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.90%, up 13 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.75% of loans (+9 bps YoY), with net charge-offs at 0.13%.
  • 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.

Return on Assets (YTD, annualized)

1.90%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+28 bps YoY

Efficiency Ratio (YTD, annualized)

47.62%-314 bps YoY

Tier 1 Leverage Ratio

13.01%+17 bps YoY

NIM

6.11%Q2 ’246.27%Q2 ’256.31%Q2 ’26+6%+7%

Non-interest income vs. expense

2.44%Q2 ’242.46%Q2 ’252.46%Q2 ’26+3%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.73%1.75%1.77%1.82%1.76%1.88%1.90%+13 bps
Return on Equity15.23%15.03%14.99%14.88%14.91%14.54%15.63%15.36%+48 bps
Net Interest Margin4.07%4.11%4.20%4.27%4.32%4.31%4.49%4.55%+28 bps
Efficiency Ratio51.86%52.66%50.13%50.76%49.64%50.03%47.14%47.62%-314 bps
Non-Interest Burden1.81%1.87%1.82%1.87%1.85%1.86%1.82%1.85%-3 bps
Growth
Asset Growth (YoY)2.27%-0.67%1.58%2.19%2.86%8.20%3.73%2.45%+27 bps
Loan Growth (YoY)-0.09%0.22%5.06%6.43%6.82%5.64%3.81%3.40%-302 bps
Deposit Growth (YoY)2.04%-1.64%0.82%1.49%2.35%8.16%3.14%2.15%+66 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.81%0.56%0.66%0.72%1.61%0.70%0.75%+9 bps
Net Charge-Offs / Loans0.00%0.04%0.21%0.11%0.17%0.18%0.19%0.13%+2 bps
Allowance / Loans1.45%1.40%1.37%1.39%1.36%1.42%1.45%1.52%+13 bps
Allowance Coverage of NPLs2.3x1.7x2.5x2.1x1.9x0.9x2.1x2.0x-0.1x
Capital
Tier 1 Leverage Ratio12.99%12.00%12.43%12.84%13.40%12.14%12.52%13.01%+17 bps
Total Risk-Based Capital12.99%12.00%12.43%12.84%13.40%12.14%12.52%13.01%+17 bps
Equity / Assets12.58%11.43%11.93%12.35%13.10%11.59%12.48%13.11%+77 bps
Liquidity & Funding
Loans / Deposits90.12%89.51%90.75%91.87%94.05%87.42%91.34%93.00%+112 bps
Liquid Assets / Assets2.28%2.49%3.04%2.08%1.07%6.16%2.36%0.61%-147 bps
CRE / Total Capitaln/an/an/an/a118.19%128.73%132.47%n/an/a