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Letter portraitLegal landscapeQuarterYTD

Preferred Bank

Rothville, MO · Cert 10628 · Bor Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$134.5MAssets
$62.5MLoans
$126.2MDeposits
$6.0MEquity
Loan mix
89%RE $50.8M6%C&I $3.5M5%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $85.6M32%Noninterest $40.6MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #88 of 114 inst. · $0.1B of $99.1B

7.4% Linn
3.5% Lafayette
0.1% Jackson
6.0% Chariton

Executive Summary

  • Earnings: ROA of 0.98%, up 17 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.18% of loans (+8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.56%, up 4 bps from a year ago.
  • Funding: loans stand at 49.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.98%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+28 bps YoY

Efficiency Ratio (YTD, annualized)

66.98%-158 bps YoY

Tier 1 Leverage Ratio

7.56%+4 bps YoY

NIM

3.76%Q2 ’243.97%Q2 ’254.09%Q2 ’26+8%+9%

Non-interest income vs. expense

2.23%Q2 ’242.28%Q2 ’252.42%Q2 ’26+4%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.72%0.74%0.81%0.91%0.88%0.97%0.98%+17 bps
Return on Equity22.21%21.02%21.63%23.54%24.60%22.60%20.97%21.36%-218 bps
Net Interest Margin2.77%2.83%2.91%3.00%3.27%3.30%3.23%3.28%+28 bps
Efficiency Ratio70.47%72.21%68.47%68.57%66.63%68.15%66.37%66.98%-158 bps
Non-Interest Burden1.85%1.94%1.89%1.95%2.04%2.12%2.03%2.08%+14 bps
Growth
Asset Growth (YoY)-0.34%-2.32%-0.24%-2.30%-5.54%-1.23%0.27%1.01%+331 bps
Loan Growth (YoY)6.25%5.70%9.58%16.43%15.57%17.22%12.31%7.77%-866 bps
Deposit Growth (YoY)-3.39%-4.49%-0.63%-0.08%-3.16%-1.45%-0.37%-1.67%-158 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.26%0.10%0.00%0.99%1.08%0.18%+8 bps
Net Charge-Offs / Loans0.04%0.04%0.01%0.01%0.02%0.02%0.00%0.02%0 bps
Allowance / Loans0.88%0.88%0.85%0.82%0.81%0.82%0.83%0.82%0 bps
Allowance Coverage of NPLs35.2x51.0x3.2x8.2x486.0x0.8x0.8x4.6x-3.7x
Capital
Tier 1 Leverage Ratio7.59%7.65%7.55%7.52%8.11%8.07%7.66%7.56%+4 bps
Total Risk-Based Capital19.18%21.38%21.98%19.60%19.38%18.91%19.03%18.62%-98 bps
Equity / Assets4.21%3.48%3.38%3.42%4.48%4.78%4.52%4.43%+101 bps
Liquidity & Funding
Loans / Deposits41.10%43.11%42.15%45.15%49.05%51.27%47.52%49.49%+434 bps
Liquid Assets / Assets0.17%5.96%14.67%10.03%5.69%3.03%10.17%7.11%-293 bps
CRE / Total Capitaln/an/an/an/a64.39%72.41%73.97%n/an/a