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Grand Missouri Bank

Bolivar, MO · Cert 11003 · Stark Bancshares Inc.

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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

36

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

Grand Missouri Bank

Bolivar, MO · Cert 11003 · Stark Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$151.1MAssets
$123.3MLoans
$127.0MDeposits
$21.4MEquity
Loan mix
89%RE $99.3M9%C&I $10.3M2%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $103.9M18%Noninterest $23.1MQ2 2025Q2 2026

NIM

6.17%Q2 ’242.26%Q2 ’256.60%Q2 ’26-60%+212%

Non-interest income vs. expense

3.88%Q2 ’241.08%Q2 ’253.29%Q2 ’26-72%+207%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.6% share · #29 of 41 inst. · $0.1B of $17.8B

12.0% Polk
14.2% Hickory

Executive Summary

  • Earnings: ROA of 1.01%, up 223 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.22% of loans (+5 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.72%, up 22 bps from a year ago.
  • Funding: loans stand at 97.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+223 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+305 bps YoY

Efficiency Ratio (YTD, annualized)

62.62%+56 bps YoY

Tier 1 Leverage Ratio

13.72%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.21%-0.45%-0.16%1.00%1.01%+223 bps
Return on Equity-7.65%-2.87%-1.01%6.61%6.86%+1,450 bps
Net Interest Margin1.44%2.52%2.99%4.62%4.49%+305 bps
Efficiency Ratio62.06%60.96%63.01%62.49%62.62%+56 bps
Non-Interest Burden0.97%1.67%2.05%3.06%2.98%+201 bps
Growth
Asset Growth (YoY)12.98%12.42%8.60%9.50%19.88%+691 bps
Loan Growth (YoY)16.19%13.34%13.70%13.53%21.72%+553 bps
Deposit Growth (YoY)16.24%15.05%12.01%12.88%25.27%+903 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.13%0.26%0.23%0.22%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.08%0.02%+2 bps
Allowance / Loans1.20%1.16%1.23%1.21%1.16%-4 bps
Allowance Coverage of NPLs7.0x8.7x4.7x5.1x5.3x-1.7x
Capital
Tier 1 Leverage Ratio13.50%14.27%13.98%14.12%13.72%+22 bps
Total Risk-Based Capital13.50%14.27%13.98%14.12%13.72%+22 bps
Equity / Assets15.89%15.40%15.27%15.04%14.15%-174 bps
Liquidity & Funding
Loans / Deposits99.95%100.14%101.10%100.02%97.12%-283 bps
Liquid Assets / Assets7.73%3.34%6.36%7.86%9.37%+164 bps
CRE / Total Capitaln/a169.09%190.13%189.54%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

Grand Missouri Bank

Bolivar, MO · Cert 11003 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Stark Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$151.1MAssets
$123.3MLoans
$127.0MDeposits
$21.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets operating in a single state (rank 91 of 746).
  • Widest gap: return on equity trails 75% of banks under $1B in assets operating in a single state (rank 560 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 429 of 746

Net Interest Margin

4.49%

Rank 91 of 746

Efficiency Ratio

70.39%

Rank 477 of 746

Equity / Assets

14.15%

Rank 136 of 746

Non-interest income vs. expense

$0.4M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state
Bank 70.39%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.72%1.06%1.45%Beats 42%429 / 746
Return on Equity6.74%6.74%10.51%13.63%Beats 25%560 / 746
Net Interest Margin4.49%3.17%3.68%4.16%Beats 88%91 / 746
Efficiency Ratio70.39%55.74%64.58%75.47%Beats 36%477 / 746
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.42%1.07%Beats 65%262 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 35%483 / 743
Capital
Tier 1 Capital Ratio13.72%11.55%13.75%17.60%Beats 50%374 / 746
Total Risk-Based Capital Ratio13.72%11.71%14.33%18.43%Beats 44%415 / 746
Equity / Assets14.15%8.90%10.51%13.06%Beats 82%136 / 746
Liquidity & Funding
Loans / Deposits97.12%61.31%78.27%90.78%87th pctl99 / 746
Loans / Assets81.62%53.60%66.97%76.08%89th pctl82 / 746
Brokered Deposits / Depositsn/aNot reported for this institution