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Bank of Kampsville

Kampsville, IL · Cert 11750 · Kampsville 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 in the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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

Bank of Kampsville

Kampsville, IL · Cert 11750 · Kampsville Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$134.1MAssets
$47.2MLoans
$110.7MDeposits
$22.9MEquity
Loan mix
65%RE $29.7M13%C&I $6.1M21%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $82.6M25%Noninterest $28.1MQ2 2025Q2 2026

NIM

3.30%Q2 ’243.55%Q2 ’253.87%Q2 ’26-1%+9%

Non-interest income vs. expense

1.97%Q2 ’242.09%Q2 ’252.00%Q2 ’26+8%-7%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #77 of 111 inst. · $0.1B of $141.7B

55.2% Calhoun
3.1% Pike

Executive Summary

  • Earnings: ROA of 0.93%, up 24 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.01% of loans (-224 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 17.41%, down 47 bps from a year ago.
  • Funding: loans stand at 42.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+22 bps YoY

Efficiency Ratio (YTD, annualized)

63.84%-848 bps YoY

Tier 1 Leverage Ratio

17.41%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.68%0.75%0.72%0.93%+24 bps
Return on Equity3.96%3.90%4.28%4.19%5.39%+143 bps
Net Interest Margin2.54%2.53%2.62%2.74%2.76%+22 bps
Efficiency Ratio72.32%73.06%70.99%70.57%63.84%-848 bps
Non-Interest Burden1.74%1.76%1.76%1.83%1.63%-11 bps
Growth
Asset Growth (YoY)4.36%4.56%7.44%7.91%6.14%+178 bps
Loan Growth (YoY)2.89%0.73%-0.15%1.10%0.38%-250 bps
Deposit Growth (YoY)3.22%4.15%6.96%8.09%6.25%+303 bps
Asset Quality
Nonperforming Loans / Loans2.26%2.23%1.24%0.13%0.01%-224 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.03%0.01%+1 bps
Allowance / Loans0.76%0.76%0.74%0.74%0.74%-2 bps
Allowance Coverage of NPLs0.3x0.3x0.6x5.9x69.8x+69.5x
Capital
Tier 1 Leverage Ratio17.88%17.83%17.91%17.45%17.41%-47 bps
Total Risk-Based Capital17.88%39.74%17.91%17.45%17.41%-47 bps
Equity / Assets17.27%17.92%17.66%16.95%17.09%-18 bps
Liquidity & Funding
Loans / Deposits45.13%46.16%44.49%42.50%42.64%-249 bps
Liquid Assets / Assets2.22%2.47%2.62%2.52%3.09%+87 bps
CRE / Total Capitaln/a24.13%21.81%22.91%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

Bank of Kampsville

Kampsville, IL · Cert 11750 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Kampsville Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$134.1MAssets
$47.2MLoans
$110.7MDeposits
$22.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 92% of banks under $1B in assets in the St. Louis, MO-IL area (rank 4 of 38).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in the St. Louis, MO-IL area (rank 37 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.92%

Rank 24 of 40

Net Interest Margin

2.76%

Rank 37 of 40

Efficiency Ratio

63.84%

Rank 20 of 40

Equity / Assets

17.09%

Rank 4 of 40

Non-interest income vs. expense

$0.5M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 52% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 63.84%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.64%1.04%1.26%Beats 40%24 / 40
Return on Equity5.36%6.25%9.97%13.41%Beats 20%32 / 40
Net Interest Margin2.76%3.09%3.22%3.62%Beats 8%37 / 40
Efficiency Ratio63.84%57.08%64.37%75.86%Beats 52%20 / 40
Asset Quality
Nonperforming Loans / Loans0.01%0.14%0.62%1.92%Beats 92%4 / 38
Net Charge-Offs / Loans0.02%0.00%0.01%0.09%Beats 47%22 / 38
Capital
Tier 1 Capital Ratio17.41%10.29%12.88%15.77%Beats 78%9 / 40
Total Risk-Based Capital Ratio17.41%10.64%13.30%17.01%Beats 78%9 / 40
Equity / Assets17.09%8.59%9.46%12.46%Beats 90%4 / 40
Liquidity & Funding
Loans / Deposits42.64%66.12%79.48%94.60%8th pctl37 / 40
Loans / Assets35.22%54.69%68.52%77.46%8th pctl37 / 40
Brokered Deposits / Depositsn/aNot reported for this institution