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Bank of New Cambria

New Cambria, MO · Cert 10626

FDIC · 2 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=87 to 88). 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

68

Q2 2024Q3 2025peer median (50)

Asset Quality

53

Q2 2024Q3 2025peer median (50)

Profitability

28

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

10

Q2 2024Q3 2025peer 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

Bank of New Cambria

New Cambria, MO · Cert 10626

FDIC · 2 branches

Q3 2025

$31.9MAssets
$9.8MLoans
$27.8MDeposits
$3.9MEquity
Loan mix
86%RE $6.1M12%C&I $0.9M2%Consumer $0.1MQ3 2024Q3 2025
Deposit mix
77%Interest-bearing $21.4M23%Noninterest $6.5MQ3 2024Q3 2025

NIM

3.58%Q3 ’233.97%Q3 ’244.10%Q3 ’25+8%+3%

Non-interest income vs. expense

2.95%Q3 ’233.05%Q3 ’243.34%Q3 ’25+4%+3%

Executive Summary

  • Earnings: ROA of 0.70%, up 6 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 14.38%, up 127 bps from a year ago.
  • Funding: loans stand at 35.07% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.70%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.41%+119 bps YoY

Tier 1 Leverage Ratio

14.38%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.64%0.61%0.46%0.45%0.70%+6 bps
Return on Equity6.62%6.30%4.51%4.24%6.27%-36 bps
Net Interest Margin3.66%3.68%3.52%3.95%3.76%+11 bps
Efficiency Ratio79.22%79.94%85.98%85.54%80.41%+119 bps
Non-Interest Burden2.86%2.90%3.00%3.35%2.95%+9 bps
Growth
Asset Growth (YoY)-4.70%-6.89%-1.80%-8.18%-5.35%-65 bps
Loan Growth (YoY)6.69%1.69%5.27%4.22%-3.68%-1,037 bps
Deposit Growth (YoY)-8.18%-8.10%-3.21%-10.35%-6.84%+134 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.29%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.01%0.00%0.42%0.29%+26 bps
Allowance / Loans2.46%2.59%2.68%2.43%2.35%-11 bps
Allowance Coverage of NPLsn/an/a9.2xn/an/an/an/a
Capital
Tier 1 Leverage Ratio13.11%12.98%13.16%14.43%14.38%+127 bps
Total Risk-Based Capital13.11%12.98%13.16%14.43%14.38%+127 bps
Equity / Assets10.96%10.28%10.24%11.57%12.38%+142 bps
Liquidity & Funding
Loans / Deposits33.92%32.71%30.05%33.44%35.07%+115 bps
Liquid Assets / Assets21.40%21.83%25.16%23.16%23.48%+208 bps
CRE / Total Capitaln/an/an/an/a7.40%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

Bank of New Cambria

New Cambria, MO · Cert 10626 · Peer group: banks under $1B in assets in MO (n=87-88)

FDIC · 2 branches

Q3 2025

$31.9MAssets
$9.8MLoans
$27.8MDeposits
$3.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 8 of 87).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in MO (rank 83 of 87).
  • Overall: at or above the peer median on 6 of 10 directional measures.

Return on Assets

0.72%

Rank 72 of 88

Net Interest Margin

3.76%

Rank 39 of 88

Efficiency Ratio

80.41%

Rank 80 of 88

Equity / Assets

12.38%

Rank 26 of 88

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 10% of banks under $1B in assets in MO
Bank 80.41%Peer median 59.8%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.82%1.17%1.53%Beats 18%72 / 88
Return on Equity5.78%8.01%11.73%15.41%Beats 10%78 / 87
Net Interest Margin3.76%3.08%3.66%4.01%Beats 56%39 / 88
Efficiency Ratio80.41%52.34%59.82%68.21%Beats 10%80 / 88
Asset Quality
Nonperforming Loans / Loans0.00%0.11%0.47%1.43%Beats 100%8 / 87
Net Charge-Offs / Loans0.22%0.01%0.03%0.09%Beats 6%83 / 87
Capital
Tier 1 Capital Ratio14.38%11.25%12.74%14.70%Beats 69%27 / 88
Total Risk-Based Capital Ratio14.38%11.44%13.26%15.49%Beats 64%32 / 88
Equity / Assets12.38%8.71%10.45%13.30%Beats 70%26 / 88
Liquidity & Funding
Loans / Deposits35.07%68.81%78.22%90.36%1st pctl86 / 87
Loans / Assets30.64%59.65%68.82%77.84%1st pctl86 / 87
Brokered Deposits / Deposits0.00%n/an/a1.43%Beats 100%54 / 87