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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