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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 $3.4MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $307.8M28%Noninterest $121.9MQ3 2024Q2 2026

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 1.46%, up 21 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.78% of loans (+26 bps YoY), with net recoveries of 0.17%.
  • 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.

Return on Assets (quarter, annualized)

1.46%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+37 bps YoY

Efficiency Ratio (quarter, annualized)

59.89%-228 bps YoY

Tier 1 Leverage Ratio

10.12%+48 bps YoY

NIM

5.11%Q2 ’245.43%Q2 ’255.49%Q2 ’26+16%+9%

Non-interest income vs. expense

2.93%Q2 ’242.82%Q2 ’252.97%Q2 ’26-2%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.87%0.97%1.26%1.02%0.79%1.25%1.46%+21 bps
Return on Equity7.52%10.22%11.37%14.15%11.24%8.50%13.52%15.60%+146 bps
Net Interest Margin3.45%3.57%3.59%3.90%3.98%4.15%4.07%4.27%+37 bps
Efficiency Ratio74.13%72.00%68.31%62.17%68.93%75.10%62.06%59.89%-228 bps
Non-Interest Burden2.37%2.39%2.26%2.19%2.60%2.94%2.28%2.29%+10 bps
Growth
Asset Growth (YoY)4.15%5.04%2.52%3.87%2.23%-0.32%9.34%2.56%-131 bps
Loan Growth (YoY)2.19%0.13%1.56%-1.31%0.39%2.14%-0.16%1.81%+312 bps
Deposit Growth (YoY)3.67%8.25%2.49%1.58%-0.26%-1.19%11.68%6.52%+493 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.78%0.65%0.51%0.94%0.76%0.84%0.78%+26 bps
Net Charge-Offs / Loans0.04%0.09%0.02%-0.05%0.30%0.60%0.04%-0.17%-12 bps
Allowance / Loans1.10%1.13%1.13%1.19%1.13%1.06%1.10%1.16%-3 bps
Allowance Coverage of NPLs3.4x1.5x1.7x2.3x1.2x1.4x1.3x1.5x-0.8x
Capital
Tier 1 Leverage Ratio9.48%9.07%9.34%9.65%9.69%9.79%9.81%10.12%+48 bps
Total Risk-Based Capital9.48%9.07%9.34%9.65%9.69%9.79%9.81%10.12%+48 bps
Equity / Assets8.69%8.30%8.75%8.99%9.19%9.50%8.97%9.78%+79 bps
Liquidity & Funding
Loans / Deposits92.19%89.05%92.99%92.98%92.79%92.05%83.13%88.88%-411 bps
Liquid Assets / Assets1.69%2.87%1.32%4.12%4.33%2.65%9.51%4.09%-4 bps
CRE / Total Capitaln/an/an/an/a301%302%293%n/an/a