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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 $6.6MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $150.4M23%Noninterest $45.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.31%2.02%1.67%1.71%1.74%1.77%1.77%1.85%+14 bps
Return on Equity17.88%15.65%12.87%13.07%13.20%13.28%13.11%13.76%+69 bps
Net Interest Margin3.86%3.86%3.96%3.99%4.06%4.06%3.99%4.06%+7 bps
Efficiency Ratio39.18%45.52%45.17%44.38%43.89%43.33%43.12%41.49%-289 bps
Non-Interest Burden0.84%1.28%1.67%1.65%1.66%1.63%1.60%1.56%-9 bps
Growth
Asset Growth (YoY)5.48%6.10%4.84%5.00%4.53%1.54%5.41%8.10%+311 bps
Loan Growth (YoY)11.21%10.15%9.89%10.63%5.44%7.70%14.30%15.21%+459 bps
Deposit Growth (YoY)4.54%6.10%5.01%5.17%4.70%0.51%5.09%5.91%+75 bps
Asset Quality
Nonperforming Loans / Loans1.98%0.31%0.35%0.49%1.26%1.34%0.31%0.24%-25 bps
Net Charge-Offs / Loans-0.04%-0.02%0.06%0.04%0.03%0.02%0.00%0.00%-4 bps
Allowance / Loans1.23%1.23%1.27%1.25%1.29%1.31%1.28%1.25%0 bps
Allowance Coverage of NPLs0.6x4.0x3.6x2.5x1.0x1.0x4.1x5.1x+2.6x
Capital
Tier 1 Leverage Ratio13.35%13.22%13.19%13.33%13.61%13.78%13.46%13.51%+19 bps
Total Risk-Based Capital13.35%13.22%13.19%13.33%13.61%13.78%13.46%13.51%+19 bps
Equity / Assets13.28%12.88%13.02%13.32%13.59%13.75%13.32%13.29%-3 bps
Liquidity & Funding
Loans / Deposits84.41%80.51%79.69%83.84%85.01%86.27%86.68%91.21%+736 bps
Liquid Assets / Assets19.27%19.93%20.07%18.37%17.29%15.84%16.90%13.39%-498 bps
CRE / Total Capitaln/an/an/an/a78.31%94.08%98.65%n/an/a