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Homepride Bank

Mansfield, MO · Cert 11466 · Banc 60 Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 in MO (n=82 to 83). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

6

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

Homepride Bank

Mansfield, MO · Cert 11466 · Banc 60 Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$125.3MAssets
$94.9MLoans
$112.0MDeposits
$12.7MEquity
Loan mix
93%RE $87.1M4%C&I $3.6M3%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $81.5M27%Noninterest $30.4MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.88%Q2 ’255.89%Q2 ’26+9%+5%

Non-interest income vs. expense

3.09%Q2 ’243.44%Q2 ’253.72%Q2 ’26+10%+12%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.2% share · #39 of 41 inst. · $0.0B of $17.8B

12.4% Wright
4.2% Webster
5.4% Douglas

Executive Summary

  • Earnings: ROA of 0.61%, down 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.50% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.31%, up 34 bps from a year ago.
  • Funding: loans stand at 84.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.18%+395 bps YoY

Tier 1 Leverage Ratio

10.31%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.65%0.69%0.49%0.61%-15 bps
Return on Equity7.86%6.68%7.02%4.92%6.09%-177 bps
Net Interest Margin3.93%3.95%4.04%4.02%4.14%+21 bps
Efficiency Ratio78.23%80.04%79.91%83.99%82.18%+395 bps
Non-Interest Burden2.97%3.07%3.12%3.31%3.33%+36 bps
Growth
Asset Growth (YoY)-0.05%2.14%4.59%0.36%1.13%+118 bps
Loan Growth (YoY)-0.78%-0.37%-2.77%-2.27%-3.20%-242 bps
Deposit Growth (YoY)4.40%5.39%9.04%3.53%3.57%-82 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.34%0.40%0.38%0.50%+16 bps
Net Charge-Offs / Loans0.01%0.10%0.08%0.02%0.01%0 bps
Allowance / Loans1.24%1.23%1.26%1.27%1.27%+3 bps
Allowance Coverage of NPLs3.7x3.6x3.1x3.3x2.5x-1.1x
Capital
Tier 1 Leverage Ratio9.97%9.99%10.26%10.24%10.31%+34 bps
Total Risk-Based Capital9.97%9.99%10.26%10.24%10.31%+34 bps
Equity / Assets9.80%10.04%10.04%10.01%10.15%+34 bps
Liquidity & Funding
Loans / Deposits90.73%89.88%86.70%84.91%84.80%-593 bps
Liquid Assets / Assets9.40%9.24%12.03%11.53%12.07%+267 bps
CRE / Total Capitaln/a107.78%109.58%119.85%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

Homepride Bank

Mansfield, MO · Cert 11466 · Peer group: banks under $1B in assets in MO (n=82-83) · Banc 60 Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$125.3MAssets
$94.9MLoans
$112.0MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 70% of banks under $1B in assets in MO (rank 25 of 83).
  • Widest gap: efficiency ratio trails 94% of banks under $1B in assets in MO (rank 79 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.61%

Rank 75 of 83

Net Interest Margin

4.14%

Rank 25 of 83

Efficiency Ratio

82.18%

Rank 79 of 83

Equity / Assets

10.15%

Rank 48 of 83

Non-interest income vs. expense

$0.5M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 6% of banks under $1B in assets in MO
Bank 82.18%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.96%1.32%1.75%Beats 10%75 / 83
Return on Equity6.03%9.66%12.96%15.76%Beats 11%74 / 83
Net Interest Margin4.14%3.35%3.85%4.16%Beats 70%25 / 83
Efficiency Ratio82.18%49.83%58.83%68.51%Beats 6%79 / 83
Asset Quality
Nonperforming Loans / Loans0.50%0.08%0.51%1.01%Beats 51%41 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 51%41 / 82
Capital
Tier 1 Capital Ratio10.31%11.01%12.49%14.98%Beats 13%72 / 83
Total Risk-Based Capital Ratio10.31%11.13%13.01%15.10%Beats 11%74 / 83
Equity / Assets10.15%8.83%10.71%13.29%Beats 42%48 / 83
Liquidity & Funding
Loans / Deposits84.80%69.28%83.22%91.21%52nd pctl39 / 82
Loans / Assets75.78%59.34%71.15%78.36%63rd pctl31 / 83
Brokered Deposits / Depositsn/aNot reported for this institution