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Belgrade State Bank

Belgrade, MO · Cert 12208 · Turner Bancshares Inc.

State charter, Fed member · FED · 6 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

60

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

Belgrade State Bank

Belgrade, MO · Cert 12208 · Turner Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$548.0MAssets
$412.2MLoans
$495.3MDeposits
$49.1MEquity
Loan mix
84%RE $318.0M9%C&I $33.7M8%Consumer $28.5MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $439.1M11%Noninterest $56.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.58%, up 1 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.35% of loans (-13 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.13%, up 49 bps from a year ago.
  • Funding: loans stand at 83.22% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.58%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+18 bps YoY

Efficiency Ratio (YTD, annualized)

55.14%-31 bps YoY

Tier 1 Leverage Ratio

10.13%+49 bps YoY

NIM

6.16%Q2 ’246.11%Q2 ’255.99%Q2 ’26-1%+5%

Non-interest income vs. expense

2.84%Q2 ’242.56%Q2 ’252.64%Q2 ’26-12%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.34%1.41%1.57%1.54%1.33%1.48%1.58%+1 bps
Return on Equity18.21%17.36%17.83%19.71%18.96%16.19%17.28%18.15%-156 bps
Net Interest Margin3.89%3.86%3.87%3.86%3.85%3.82%3.96%4.04%+18 bps
Efficiency Ratio60.11%60.46%57.85%55.45%56.59%57.30%57.02%55.14%-31 bps
Non-Interest Burden2.02%2.02%1.92%1.80%1.85%1.86%1.93%1.89%+9 bps
Growth
Asset Growth (YoY)9.31%9.41%9.87%12.28%10.77%13.62%9.41%7.95%-432 bps
Loan Growth (YoY)11.37%10.07%10.08%13.86%11.59%8.01%7.04%8.86%-499 bps
Deposit Growth (YoY)8.52%9.23%9.46%11.71%10.05%13.01%8.61%7.02%-469 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.38%0.25%0.48%1.97%0.84%0.42%0.35%-13 bps
Net Charge-Offs / Loans0.14%0.11%0.07%0.07%0.08%0.32%0.25%0.07%+1 bps
Allowance / Loans1.06%1.12%1.11%1.07%1.05%1.14%1.08%1.07%0 bps
Allowance Coverage of NPLs6.6x3.0x4.5x2.2x0.5x1.4x2.6x3.0x+0.8x
Capital
Tier 1 Leverage Ratio9.41%9.46%9.66%9.64%9.76%9.66%9.81%10.13%+49 bps
Total Risk-Based Capital15.12%15.12%15.28%15.32%15.57%15.59%16.31%16.29%+97 bps
Equity / Assets7.91%7.86%7.99%8.08%8.52%8.49%8.69%8.95%+88 bps
Liquidity & Funding
Loans / Deposits80.21%82.77%81.26%81.81%81.33%79.11%80.08%83.22%+141 bps
Liquid Assets / Assets13.56%8.27%9.71%9.15%8.75%7.99%8.37%6.70%-244 bps
CRE / Total Capitaln/an/an/an/a258%266%258%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

Belgrade State Bank

Belgrade, MO · Cert 12208 · Peer group: banks under $1B in assets in MO (n=82-83) · Turner Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$548.0MAssets
$412.2MLoans
$495.3MDeposits
$49.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets in MO (rank 14 of 83).
  • Widest gap: net charge-offs / loans trails 79% of banks under $1B in assets in MO (rank 66 of 82).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.56%

Rank 29 of 83

Net Interest Margin

4.04%

Rank 30 of 83

Efficiency Ratio

55.14%

Rank 34 of 83

Equity / Assets

8.95%

Rank 60 of 83

Non-interest income vs. expense

$4.0M$14.2MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 60% of banks under $1B in assets in MO
Bank 55.14%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.56%0.96%1.32%1.75%Beats 65%29 / 83
Return on Equity17.41%9.66%12.96%15.76%Beats 83%14 / 83
Net Interest Margin4.04%3.35%3.85%4.16%Beats 64%30 / 83
Efficiency Ratio55.14%49.83%58.83%68.51%Beats 60%34 / 83
Asset Quality
Nonperforming Loans / Loans0.35%0.08%0.51%1.01%Beats 57%36 / 82
Net Charge-Offs / Loans0.08%0.00%0.01%0.06%Beats 21%66 / 82
Capital
Tier 1 Capital Ratio15.07%11.01%12.49%14.98%Beats 77%19 / 83
Total Risk-Based Capital Ratio16.29%11.13%13.01%15.10%Beats 80%17 / 83
Equity / Assets8.95%8.83%10.71%13.29%Beats 28%60 / 83
Liquidity & Funding
Loans / Deposits83.22%69.28%83.22%91.21%50th pctl41 / 82
Loans / Assets75.22%59.34%71.15%78.36%59th pctl34 / 83
Brokered Deposits / Depositsn/aNot reported for this institution