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Wood & Huston Bank

Marshall, MO · Cert 1060 · Wood&Huston Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wood & Huston Bank

Marshall, MO · Cert 1060 · Wood&Huston Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.2BAssets
$996.3MLoans
$1.1BDeposits
$135.2MEquity
Loan mix
82%RE $729.0M16%C&I $140.3M2%Consumer $20.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $915.1M15%Noninterest $166.7MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.72%Q2 ’255.65%Q2 ’26+18%+11%

Non-interest income vs. expense

2.18%Q2 ’242.15%Q2 ’252.16%Q2 ’26-1%0%

Market Position · Cape Girardeau, MO-IL · 2026 SOD (annual) · 10.7% share · #2 of 17 inst. · $0.4B of $3.7B

11.4% Cape Girardeau
42.7% Saline
10.2% Pettis
6.7% Howell

Executive Summary

  • Earnings: ROA of 1.64%, up 21 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.14% of loans (-7 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.55%, up 83 bps from a year ago.
  • Funding: loans stand at 92.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+38 bps YoY

Efficiency Ratio (YTD, annualized)

49.34%-456 bps YoY

Tier 1 Leverage Ratio

11.55%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.52%1.47%1.58%1.64%+21 bps
Return on Equity15.62%16.01%15.48%15.70%15.79%+17 bps
Net Interest Margin3.27%3.40%3.42%3.51%3.64%+38 bps
Efficiency Ratio53.90%52.04%53.81%49.07%49.34%-456 bps
Non-Interest Burden1.43%1.43%1.51%1.35%1.43%-1 bps
Growth
Asset Growth (YoY)2.62%2.02%2.24%1.92%3.53%+92 bps
Loan Growth (YoY)2.32%1.57%3.38%2.68%6.20%+388 bps
Deposit Growth (YoY)1.33%-0.76%0.89%0.46%1.36%+4 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.07%0.09%0.09%0.14%-7 bps
Net Charge-Offs / Loans0.04%0.05%0.06%0.04%0.06%+1 bps
Allowance / Loans1.33%1.34%1.32%1.35%1.31%-2 bps
Allowance Coverage of NPLs6.4x18.4x15.2x15.0x9.4x+3.0x
Capital
Tier 1 Leverage Ratio10.72%11.23%10.80%11.02%11.55%+83 bps
Total Risk-Based Capital13.96%14.68%13.84%14.70%14.57%+61 bps
Equity / Assets9.87%10.44%9.60%10.57%10.96%+109 bps
Liquidity & Funding
Loans / Deposits87.90%88.84%83.21%87.20%92.10%+419 bps
Liquid Assets / Assets3.84%4.72%8.26%5.94%2.76%-108 bps
CRE / Total Capitaln/a269%276%261%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wood & Huston Bank

Marshall, MO · Cert 1060 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Wood&Huston Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.2BAssets
$996.3MLoans
$1.1BDeposits
$135.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
  • Widest gap: net charge-offs / loans trails 63% of banks $1B-$10B in assets operating in a single state (rank 163 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.65%

Rank 41 of 258

Net Interest Margin

3.64%

Rank 99 of 258

Efficiency Ratio

49.34%

Rank 46 of 257

Equity / Assets

10.96%

Rank 97 of 258

Non-interest income vs. expense

$9.1M$26.8MINCOMEEXPENSE
Unfavorable gap of $17.7M · efficiency ratio beats 82% of banks $1B-$10B in assets operating in a single state
Bank 49.34%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%0.93%1.23%1.54%Beats 84%41 / 258
Return on Equity15.08%9.26%11.84%14.74%Beats 76%61 / 258
Net Interest Margin3.64%3.16%3.49%3.88%Beats 62%99 / 258
Efficiency Ratio49.34%51.71%60.30%69.65%Beats 82%46 / 257
Asset Quality
Nonperforming Loans / Loans0.14%0.19%0.46%0.90%Beats 81%50 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 37%163 / 258
Capital
Tier 1 Capital Ratio13.34%11.41%12.98%15.12%Beats 53%121 / 258
Total Risk-Based Capital Ratio14.57%12.10%13.91%16.08%Beats 57%110 / 258
Equity / Assets10.96%9.09%10.24%11.72%Beats 62%97 / 258
Liquidity & Funding
Loans / Deposits92.10%73.24%86.34%95.95%67th pctl85 / 258
Loans / Assets80.79%63.01%72.27%78.40%81st pctl48 / 258
Brokered Deposits / Depositsn/aNot reported for this institution