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Callaway Bank, The

Fulton, MO · Cert 12223 · Callaway Security Banks 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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

61

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

Callaway Bank, The

Fulton, MO · Cert 12223 · Callaway Security Banks Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$511.5MAssets
$381.8MLoans
$429.6MDeposits
$50.0MEquity
Loan mix
87%RE $304.2M12%C&I $43.8M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $307.8M28%Noninterest $121.9MQ2 2025Q2 2026

NIM

5.02%Q2 ’245.34%Q2 ’255.41%Q2 ’26+15%+11%

Non-interest income vs. expense

2.89%Q2 ’242.85%Q2 ’252.94%Q2 ’260%+2%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 3.6% share · #5 of 20 inst. · $0.3B of $7.7B

38.1% Callaway
2.6% Boone

Executive Summary

  • Earnings: ROA of 1.37%, up 26 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.78% of loans (+26 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 10.12%, up 48 bps from a year ago.
  • Funding: loans stand at 88.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+41 bps YoY

Efficiency Ratio (YTD, annualized)

60.95%-418 bps YoY

Tier 1 Leverage Ratio

10.12%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.08%1.01%1.25%1.37%+26 bps
Return on Equity12.79%12.25%11.29%13.52%14.57%+178 bps
Net Interest Margin3.76%3.79%3.89%4.07%4.17%+41 bps
Efficiency Ratio65.13%66.42%68.78%62.06%60.95%-418 bps
Non-Interest Burden2.23%2.33%2.49%2.28%2.28%+5 bps
Growth
Asset Growth (YoY)3.87%2.23%-0.32%9.34%2.56%-131 bps
Loan Growth (YoY)-1.31%0.39%2.14%-0.16%1.81%+312 bps
Deposit Growth (YoY)1.58%-0.26%-1.19%11.68%6.52%+493 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.94%0.76%0.84%0.78%+26 bps
Net Charge-Offs / Loans-0.02%0.09%0.22%0.04%-0.06%-5 bps
Allowance / Loans1.19%1.13%1.06%1.10%1.16%-3 bps
Allowance Coverage of NPLs2.3x1.2x1.4x1.3x1.5x-0.8x
Capital
Tier 1 Leverage Ratio9.65%9.69%9.79%9.81%10.12%+48 bps
Total Risk-Based Capital9.65%9.69%9.79%9.81%10.12%+48 bps
Equity / Assets8.99%9.19%9.50%8.97%9.78%+79 bps
Liquidity & Funding
Loans / Deposits92.98%92.79%92.05%83.13%88.88%-411 bps
Liquid Assets / Assets4.12%4.33%2.65%9.51%4.09%-4 bps
CRE / Total Capitaln/a301%302%293%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

Callaway Bank, The

Fulton, MO · Cert 12223 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Callaway Security Banks Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$511.5MAssets
$381.8MLoans
$429.6MDeposits
$50.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 78% of banks under $1B in assets operating in a single state (rank 166 of 746).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 680 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.38%

Rank 216 of 746

Net Interest Margin

4.17%

Rank 185 of 746

Efficiency Ratio

60.95%

Rank 295 of 746

Equity / Assets

9.78%

Rank 456 of 746

Non-interest income vs. expense

$3.4M$15.2MINCOMEEXPENSE
Unfavorable gap of $11.8M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state
Bank 60.95%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.72%1.06%1.45%Beats 71%216 / 746
Return on Equity14.14%6.74%10.51%13.63%Beats 78%166 / 746
Net Interest Margin4.17%3.17%3.68%4.16%Beats 75%185 / 746
Efficiency Ratio60.95%55.74%64.58%75.47%Beats 61%295 / 746
Asset Quality
Nonperforming Loans / Loans0.78%0.09%0.42%1.07%Beats 34%494 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 30%523 / 743
Capital
Tier 1 Capital Ratio10.12%11.55%13.75%17.60%Beats 10%674 / 746
Total Risk-Based Capital Ratio10.12%11.71%14.33%18.43%Beats 9%680 / 746
Equity / Assets9.78%8.90%10.51%13.06%Beats 39%456 / 746
Liquidity & Funding
Loans / Deposits88.88%61.31%78.27%90.78%71st pctl215 / 746
Loans / Assets74.65%53.60%66.97%76.08%70th pctl223 / 746
Brokered Deposits / Depositsn/aNot reported for this institution