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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

$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

5.84%Q2 ’245.99%Q2 ’256.01%Q2 ’26+5%+3%

Non-interest income vs. expense

1.90%Q2 ’241.87%Q2 ’251.76%Q2 ’26-3%-6%

Executive Summary

  • Earnings: ROA of 1.92%, up 17 bps year over year; NIM at 4.20%.
  • 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 (quarter, annualized)

1.92%+17 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+13 bps YoY

Efficiency Ratio (quarter, annualized)

39.96%-365 bps YoY

Tier 1 Leverage Ratio

13.51%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.81%1.85%1.77%1.92%+17 bps
Return on Equity13.26%13.44%13.53%13.11%14.40%+115 bps
Net Interest Margin4.06%4.17%4.13%3.99%4.20%+13 bps
Efficiency Ratio43.61%42.95%41.71%43.12%39.96%-365 bps
Non-Interest Burden1.65%1.66%1.58%1.60%1.55%-10 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 / Loans0.02%0.00%0.01%0.00%0.00%-2 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