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BTC Bank

Bethany, MO · Cert 10618 · Bethany Bankshares Inc.

State charter, non-member · FDIC · 30 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 regionally3

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 regionally (n=176). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

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

BTC Bank

Bethany, MO · Cert 10618 · Bethany Bankshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.4BDeposits
$174.4MEquity
Loan mix
91%RE $989.5M7%C&I $72.9M2%Consumer $20.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $1.1B22%Noninterest $0.3BQ3 2024Q2 2026

Market Position · Jefferson City, MO · 2026 SOD (annual) · 2.2% share · #8 of 20 inst. · $0.2B of $7.7B

67.4% Harrison
35.1% Moniteau
61.6% Daviess
20.3% Livingston

Executive Summary

  • Earnings: ROA of 0.90%, down 42 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.72% of loans (-35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.35%, down 197 bps from a year ago.
  • Funding: loans stand at 107.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-17 bps YoY

Efficiency Ratio (YTD, annualized)

67.02%+877 bps YoY

Tier 1 Leverage Ratio

9.35%-197 bps YoY

NIM

5.56%Q2 ’246.10%Q2 ’255.83%Q2 ’26+8%-4%

Non-interest income vs. expense

2.78%Q2 ’242.56%Q2 ’252.76%Q2 ’26-9%+13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%1.24%1.32%1.33%1.33%1.23%0.90%-42 bps
Return on Equity11.10%11.95%14.36%13.89%13.35%13.12%11.49%8.88%-501 bps
Net Interest Margin3.68%3.63%4.00%4.05%4.07%4.00%4.14%3.88%-17 bps
Efficiency Ratio67.16%65.71%59.66%58.25%58.22%58.23%57.98%67.02%+877 bps
Non-Interest Burden2.37%2.29%2.27%2.24%2.25%2.21%2.33%2.52%+28 bps
Growth
Asset Growth (YoY)16.96%18.51%16.35%13.46%12.75%14.11%16.11%35.66%+2,219 bps
Loan Growth (YoY)21.11%24.46%22.33%17.55%19.06%17.19%19.50%37.47%+1,992 bps
Deposit Growth (YoY)2.66%8.90%12.16%16.89%18.59%17.98%20.40%36.99%+2,010 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.35%0.92%1.07%0.99%0.80%1.10%0.72%-35 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.01%0.97%0.99%1.02%1.03%1.05%1.06%1.15%+13 bps
Allowance Coverage of NPLs2.2x2.8x1.1x1.0x1.1x1.3x1.0x1.6x+0.6x
Capital
Tier 1 Leverage Ratio9.01%8.94%8.97%11.32%11.39%11.06%10.99%9.35%-197 bps
Total Risk-Based Capital9.01%8.94%8.97%11.32%11.39%11.06%10.99%9.35%-197 bps
Equity / Assets8.87%8.53%8.77%11.20%11.16%10.79%10.60%9.12%-208 bps
Liquidity & Funding
Loans / Deposits109.75%108.92%108.54%106.65%110.18%108.19%107.73%107.02%+37 bps
Liquid Assets / Assets0.92%0.79%0.90%1.14%0.45%1.34%1.58%1.37%+23 bps
CRE / Total Capitaln/an/an/an/a113.84%107.23%121.89%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

BTC Bank

Bethany, MO · Cert 10618 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bethany Bankshares Inc.

State charter, non-member · FDIC · 30 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.4BDeposits
$174.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating regionally (rank 18 of 176).
  • Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.80%

Rank 147 of 176

Net Interest Margin

3.88%

Rank 49 of 176

Efficiency Ratio

67.66%

Rank 133 of 176

Equity / Assets

9.12%

Rank 134 of 176

Non-interest income vs. expense

$4.4M$49.6MINCOMEEXPENSE
Unfavorable gap of $45.2M · efficiency ratio beats 25% of banks $1B-$10B in assets operating regionally
Bank 67.66%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.93%1.26%1.54%Beats 16%147 / 176
Return on Equity8.73%9.26%11.89%14.46%Beats 22%138 / 176
Net Interest Margin3.88%3.25%3.59%3.93%Beats 72%49 / 176
Efficiency Ratio67.66%52.79%59.55%67.66%Beats 25%133 / 176
Asset Quality
Nonperforming Loans / Loans0.72%0.30%0.64%1.32%Beats 45%98 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 90%18 / 176
Capital
Tier 1 Capital Ratio9.35%11.15%12.72%14.15%Beats 1%174 / 176
Total Risk-Based Capital Ratio9.35%11.81%13.63%15.33%Beats 1%174 / 176
Equity / Assets9.12%9.16%10.35%11.80%Beats 24%134 / 176
Liquidity & Funding
Loans / Deposits107.02%80.94%89.73%97.21%97th pctl5 / 176
Loans / Assets81.00%69.25%75.12%80.82%77th pctl41 / 176
Brokered Deposits / Depositsn/aNot reported for this institution