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Tri-County Trust Company

Glasgow, MO · Cert 11465

State charter, non-member · 1 branch

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 (n=557 to 606). 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

47

Q2 2024Q1 2026peer median (50)

Asset Quality

29

Q2 2024Q1 2026peer median (50)

Profitability

63

Q2 2024Q1 2026peer median (50)

Liquidity

85

Q2 2024Q1 2026peer median

Efficiency

50

Q2 2024Q1 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

Tri-County Trust Company

Glasgow, MO · Cert 11465

State charter, non-member · 1 branch

Q1 2026

$60.5MAssets
$41.5MLoans
$50.6MDeposits
$7.0MEquity
Loan mix
75%RE $24.0M13%C&I $4.1M13%Consumer $4.1MQ1 2025Q1 2026
Deposit mix
79%Interest-bearing $40.0M21%Noninterest $10.6MQ1 2025Q1 2026

NIM

5.39%Q1 ’245.32%Q1 ’255.79%Q1 ’26-7%+19%

Non-interest income vs. expense

2.63%Q1 ’242.84%Q1 ’252.91%Q1 ’26+12%+3%

Market Position · Columbia, MO · 2025 SOD (annual) · 0.7% share · #21 of 29 inst. · $0.0B of $6.5B

Executive Summary

  • Earnings: ROA of 1.11%, up 48 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 1.06% of loans (-208 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.84%, up 24 bps from a year ago.
  • Funding: loans stand at 81.89% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+48 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+67 bps YoY

Efficiency Ratio (YTD, annualized)

68.01%-1,024 bps YoY

Tier 1 Leverage Ratio

12.84%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.89%0.97%1.04%1.11%+48 bps
Return on Equity5.68%8.11%8.74%9.13%9.24%+356 bps
Net Interest Margin3.46%4.02%3.98%3.98%4.13%+67 bps
Efficiency Ratio78.25%71.97%70.09%68.53%68.01%-1,024 bps
Non-Interest Burden2.67%2.87%2.75%2.68%2.75%+9 bps
Growth
Asset Growth (YoY)0.31%-1.24%-2.49%-1.60%-2.62%-292 bps
Loan Growth (YoY)-2.98%-1.39%-3.23%-3.27%-0.59%+239 bps
Deposit Growth (YoY)-1.94%-6.54%-0.71%-0.99%2.32%+426 bps
Asset Quality
Nonperforming Loans / Loans3.14%1.41%0.87%0.69%1.06%-208 bps
Net Charge-Offs / Loans0.00%0.05%0.12%0.09%0.01%+1 bps
Allowance / Loans1.55%1.51%1.44%1.42%1.46%-9 bps
Allowance Coverage of NPLs0.5x1.1x1.7x2.0x1.4x+0.9x
Capital
Tier 1 Leverage Ratio12.60%13.49%13.55%13.81%12.84%+24 bps
Total Risk-Based Capital12.60%13.49%13.55%13.81%12.84%+24 bps
Equity / Assets10.51%10.67%11.85%12.47%11.50%+100 bps
Liquidity & Funding
Loans / Deposits84.29%91.60%87.78%89.96%81.89%-240 bps
Liquid Assets / Assets3.91%0.43%0.01%0.07%0.19%-373 bps
CRE / Total Capitaln/an/a24.38%25.25%26.63%n/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

Tri-County Trust Company

Glasgow, MO · Cert 11465 · Peer group: banks under $1B in assets (n=557-606)

State charter, non-member · 1 branch

Q1 2026

$60.5MAssets
$41.5MLoans
$50.6MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets (rank 129 of 604).
  • Widest gap: brokered deposits / deposits trails 77% of banks under $1B in assets (rank 440 of 568).
  • Overall: at or above the peer median on 5 of 10 directional measures.

Return on Assets

1.12%

Rank 255 of 604

Net Interest Margin

4.13%

Rank 129 of 604

Efficiency Ratio

68.01%

Rank 302 of 603

Equity / Assets

11.50%

Rank 230 of 604

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 50% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.58%1.00%1.47%Beats 58%255 / 604
Return on Equity9.72%5.38%9.60%13.62%Beats 51%298 / 604
Net Interest Margin4.13%3.01%3.52%4.07%Beats 79%129 / 604
Efficiency Ratio68.01%58.15%68.01%80.27%Beats 50%302 / 603
Asset Quality
Nonperforming Loans / Loans1.06%0.08%0.39%1.12%Beats 27%409 / 558
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 31%388 / 557
Capital
Tier 1 Capital Ratio12.84%11.15%13.69%18.60%Beats 43%347 / 604
Total Risk-Based Capital Ratio12.84%11.56%14.21%19.70%Beats 36%385 / 604
Equity / Assets11.50%8.81%10.34%13.22%Beats 62%230 / 604
Liquidity & Funding
Loans / Deposits81.89%63.31%78.59%92.04%56th pctl253 / 570
Loans / Assets68.58%50.80%66.73%77.27%54th pctl277 / 606
Brokered Deposits / Deposits4.72%n/an/a3.83%Beats 23%440 / 568