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County Bank

Brunswick, MO · Cert 12220 · Chariton County Bancshares Inc.

State charter, non-member · FDIC · 2 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

69

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

County Bank

Brunswick, MO · Cert 12220 · Chariton County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$133.7MAssets
$105.9MLoans
$120.6MDeposits
$11.3MEquity
Loan mix
84%RE $79.2M11%C&I $10.1M5%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $79.4M34%Noninterest $41.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.62%, up 33 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.29%, up 5 bps from a year ago.
  • Funding: loans stand at 87.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.62%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+18 bps YoY

Efficiency Ratio (YTD, annualized)

58.45%-789 bps YoY

Tier 1 Leverage Ratio

8.29%+5 bps YoY

NIM

4.96%Q2 ’245.47%Q2 ’255.61%Q2 ’26+8%+4%

Non-interest income vs. expense

3.28%Q2 ’243.28%Q2 ’253.00%Q2 ’26+1%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.21%1.28%1.28%1.44%1.49%1.57%1.62%+33 bps
Return on Equity15.72%16.31%16.70%16.60%18.26%18.78%19.40%19.72%+312 bps
Net Interest Margin4.16%4.17%4.22%4.34%4.25%4.11%4.39%4.52%+18 bps
Efficiency Ratio68.96%68.30%66.05%66.34%62.55%61.67%58.98%58.45%-789 bps
Non-Interest Burden2.62%2.59%2.54%2.64%2.39%2.27%2.32%2.35%-29 bps
Growth
Asset Growth (YoY)4.61%4.38%0.17%0.94%3.08%8.32%7.50%8.00%+706 bps
Loan Growth (YoY)11.59%16.45%14.06%9.51%7.94%14.61%17.40%24.58%+1,507 bps
Deposit Growth (YoY)3.50%-0.74%-0.62%0.16%2.67%6.40%7.12%5.96%+580 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.21%-0.15%0.02%0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.46%1.41%1.42%1.43%1.38%1.26%1.25%1.21%-22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.46%8.27%8.10%8.24%8.43%8.06%7.95%8.29%+5 bps
Total Risk-Based Capital15.66%15.02%15.12%15.20%15.42%14.20%14.03%13.74%-145 bps
Equity / Assets7.85%7.67%7.63%7.91%8.38%8.14%8.02%8.44%+53 bps
Liquidity & Funding
Loans / Deposits72.42%79.02%73.75%74.67%76.14%85.12%80.83%87.79%+1,312 bps
Liquid Assets / Assets0.64%0.20%4.53%2.56%4.03%2.39%4.04%0.84%-173 bps
CRE / Total Capitaln/an/an/an/a141.28%167.45%177.23%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

County Bank

Brunswick, MO · Cert 12220 · Peer group: banks under $1B in assets in MO (n=82-83) · Chariton County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$133.7MAssets
$105.9MLoans
$120.6MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets in MO (rank 69 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.62%

Rank 26 of 83

Net Interest Margin

4.52%

Rank 14 of 83

Efficiency Ratio

58.45%

Rank 41 of 83

Equity / Assets

8.44%

Rank 69 of 83

Non-interest income vs. expense

$0.9M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 52% of banks under $1B in assets in MO
Bank 58.45%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.62%0.96%1.32%1.75%Beats 69%26 / 83
Return on Equity19.21%9.66%12.96%15.76%Beats 92%7 / 83
Net Interest Margin4.52%3.35%3.85%4.16%Beats 83%14 / 83
Efficiency Ratio58.45%49.83%58.83%68.51%Beats 52%41 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 72%24 / 82
Capital
Tier 1 Capital Ratio12.49%11.01%12.49%14.98%Beats 49%42 / 83
Total Risk-Based Capital Ratio13.74%11.13%13.01%15.10%Beats 57%36 / 83
Equity / Assets8.44%8.83%10.71%13.29%Beats 17%69 / 83
Liquidity & Funding
Loans / Deposits87.79%69.28%83.22%91.21%66th pctl28 / 82
Loans / Assets79.23%59.34%71.15%78.36%78th pctl18 / 83
Brokered Deposits / Depositsn/aNot reported for this institution