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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 1.66%, up 38 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.66%+38 bps YoY

Net Interest Margin (quarter, annualized)

4.60%+18 bps YoY

Efficiency Ratio (quarter, annualized)

57.95%-868 bps YoY

Tier 1 Leverage Ratio

8.29%+5 bps YoY

NIM

5.16%Q2 ’245.58%Q2 ’255.69%Q2 ’26+6%+4%

Non-interest income vs. expense

3.33%Q2 ’243.34%Q2 ’253.04%Q2 ’26+3%-13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.36%1.28%1.29%1.77%1.64%1.57%1.66%+38 bps
Return on Equity17.35%17.47%16.70%16.55%21.71%19.82%19.40%20.22%+366 bps
Net Interest Margin4.28%4.45%4.22%4.43%4.32%4.35%4.39%4.60%+18 bps
Efficiency Ratio66.47%66.50%66.05%66.62%55.31%59.24%58.98%57.95%-868 bps
Non-Interest Burden2.55%2.67%2.54%2.72%2.05%2.28%2.32%2.37%-35 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 / Loans0.00%0.01%0.02%0.02%0.00%0.01%0.00%0.01%-1 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