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St. Clair County State Bank

Osceola, MO · Cert 11002 · Margaret Parker Platter Charitable Tr

State charter, non-member · FDIC · 4 branches

Q2 2026

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: 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 under $1B in assets in MO (n=82 to 83). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

94

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

St. Clair County State Bank

Osceola, MO · Cert 11002 · Margaret Parker Platter Charitable Tr

State charter, non-member · FDIC · 4 branches

Q2 2026

$231.8MAssets
$178.5MLoans
$195.7MDeposits
$30.8MEquity
Loan mix
89%RE $129.2M6%C&I $8.6M5%Consumer $6.6MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $150.4M23%Noninterest $45.3MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.92%Q2 ’255.88%Q2 ’26+4%+2%

Non-interest income vs. expense

1.97%Q2 ’241.87%Q2 ’251.77%Q2 ’26+320%-6%

Executive Summary

  • Earnings: ROA of 1.85%, up 14 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.24% of loans (-25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.51%, up 19 bps from a year ago.
  • Funding: loans stand at 91.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+7 bps YoY

Efficiency Ratio (YTD, annualized)

41.49%-289 bps YoY

Tier 1 Leverage Ratio

13.51%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.74%1.77%1.77%1.85%+14 bps
Return on Equity13.07%13.20%13.28%13.11%13.76%+69 bps
Net Interest Margin3.99%4.06%4.06%3.99%4.06%+7 bps
Efficiency Ratio44.38%43.89%43.33%43.12%41.49%-289 bps
Non-Interest Burden1.65%1.66%1.63%1.60%1.56%-9 bps
Growth
Asset Growth (YoY)5.00%4.53%1.54%5.41%8.10%+311 bps
Loan Growth (YoY)10.63%5.44%7.70%14.30%15.21%+459 bps
Deposit Growth (YoY)5.17%4.70%0.51%5.09%5.91%+75 bps
Asset Quality
Nonperforming Loans / Loans0.49%1.26%1.34%0.31%0.24%-25 bps
Net Charge-Offs / Loans0.04%0.03%0.02%0.00%0.00%-4 bps
Allowance / Loans1.25%1.29%1.31%1.28%1.25%0 bps
Allowance Coverage of NPLs2.5x1.0x1.0x4.1x5.1x+2.6x
Capital
Tier 1 Leverage Ratio13.33%13.61%13.78%13.46%13.51%+19 bps
Total Risk-Based Capital13.33%13.61%13.78%13.46%13.51%+19 bps
Equity / Assets13.32%13.59%13.75%13.32%13.29%-3 bps
Liquidity & Funding
Loans / Deposits83.84%85.01%86.27%86.68%91.21%+736 bps
Liquid Assets / Assets18.37%17.29%15.84%16.90%13.39%-498 bps
CRE / Total Capitaln/a78.31%94.08%98.65%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

St. Clair County State Bank

Osceola, MO · Cert 11002 · Peer group: banks under $1B in assets in MO (n=82-83) · Margaret Parker Platter Charitable Tr

State charter, non-member · FDIC · 4 branches

Q2 2026

$231.8MAssets
$178.5MLoans
$195.7MDeposits
$30.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in MO (rank 6 of 83).
  • Widest gap: total risk-based capital ratio trails 47% of banks under $1B in assets in MO (rank 39 of 83).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.79%

Rank 19 of 83

Net Interest Margin

4.06%

Rank 28 of 83

Efficiency Ratio

41.49%

Rank 6 of 83

Equity / Assets

13.29%

Rank 22 of 83

Non-interest income vs. expense

$0.5M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 94% of banks under $1B in assets in MO
Bank 41.49%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.79%0.96%1.32%1.75%Beats 77%19 / 83
Return on Equity13.50%9.66%12.96%15.76%Beats 55%37 / 83
Net Interest Margin4.06%3.35%3.85%4.16%Beats 66%28 / 83
Efficiency Ratio41.49%49.83%58.83%68.51%Beats 94%6 / 83
Asset Quality
Nonperforming Loans / Loans0.24%0.08%0.51%1.01%Beats 63%31 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 68%27 / 82
Capital
Tier 1 Capital Ratio13.51%11.01%12.49%14.98%Beats 59%34 / 83
Total Risk-Based Capital Ratio13.51%11.13%13.01%15.10%Beats 53%39 / 83
Equity / Assets13.29%8.83%10.71%13.29%Beats 73%22 / 83
Liquidity & Funding
Loans / Deposits91.21%69.28%83.22%91.21%74th pctl21 / 82
Loans / Assets77.01%59.34%71.15%78.36%66th pctl28 / 83
Brokered Deposits / Depositsn/aNot reported for this institution