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Community Bank and Trust

Neosho, MO · Cert 13068 · Community Bancshares Employee STK Ownership Plan

State charter, Fed member · FED · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

51

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

33

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

Community Bank and Trust

Neosho, MO · Cert 13068 · Community Bancshares Employee STK Ownership Plan

State charter, Fed member · FED · 13 branches

Q2 2026

$445.1MAssets
$205.5MLoans
$394.4MDeposits
$37.0MEquity
Loan mix
86%RE $113.7M11%C&I $14.6M3%Consumer $4.6MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $274.1M31%Noninterest $120.3MQ3 2024Q2 2026

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 7.7% share · #5 of 22 inst. · $0.4B of $4.9B

15.2% Newton
2.9% Jasper
11.2% Cherokee
5.4% McDonald

Executive Summary

  • Earnings: ROA of 0.88%, up 6 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.13% of loans (+10 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.37%, up 60 bps from a year ago.
  • Funding: loans stand at 52.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+26 bps YoY

Efficiency Ratio (YTD, annualized)

74.85%-95 bps YoY

Tier 1 Leverage Ratio

8.37%+60 bps YoY

NIM

3.56%Q2 ’243.79%Q2 ’253.94%Q2 ’26+4%+8%

Non-interest income vs. expense

3.34%Q2 ’243.26%Q2 ’253.39%Q2 ’26+0%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.83%0.71%0.82%0.88%0.89%0.80%0.88%+6 bps
Return on Equity11.57%11.80%9.70%11.09%11.60%11.49%9.63%10.63%-46 bps
Net Interest Margin3.07%3.04%3.07%3.15%3.21%3.24%3.38%3.41%+26 bps
Efficiency Ratio76.00%75.49%78.14%75.80%74.44%74.48%76.16%74.85%-95 bps
Non-Interest Burden2.02%1.98%2.14%2.10%2.08%2.11%2.29%2.25%+16 bps
Growth
Asset Growth (YoY)3.61%5.55%4.74%4.17%5.42%5.55%2.64%2.60%-157 bps
Loan Growth (YoY)-2.83%-3.93%2.97%4.13%8.18%12.00%5.64%9.49%+536 bps
Deposit Growth (YoY)3.06%5.44%3.77%2.80%4.02%2.96%2.67%4.00%+120 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.04%0.03%0.03%0.02%0.07%0.13%+10 bps
Net Charge-Offs / Loans0.04%0.05%0.03%0.04%0.04%0.04%0.07%0.04%0 bps
Allowance / Loans1.04%1.05%1.01%1.00%0.96%0.94%0.98%0.95%-5 bps
Allowance Coverage of NPLs17.8x21.4x23.0x31.2x33.0x37.9x13.2x7.2x-24.0x
Capital
Tier 1 Leverage Ratio8.20%7.90%8.00%7.77%8.02%8.01%8.22%8.37%+60 bps
Total Risk-Based Capital28.16%27.39%27.06%26.54%26.38%26.43%28.12%28.89%+234 bps
Equity / Assets7.65%7.21%7.49%7.47%8.06%8.31%8.25%8.31%+84 bps
Liquidity & Funding
Loans / Deposits49.54%49.03%48.72%49.50%51.52%53.34%50.13%52.11%+261 bps
Liquid Assets / Assets25.17%22.84%22.39%22.36%20.67%19.46%20.34%18.81%-355 bps
CRE / Total Capitaln/an/an/an/a61.57%62.47%56.58%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

Community Bank and Trust

Neosho, MO · Cert 13068 · Peer group: banks under $1B in assets (n=581-629) · Community Bancshares Employee STK Ownership Plan

State charter, Fed member · FED · 13 branches

Q2 2026

$445.1MAssets
$205.5MLoans
$394.4MDeposits
$37.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 86% of banks under $1B in assets (rank 89 of 629).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets (rank 537 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.87%

Rank 383 of 629

Net Interest Margin

3.41%

Rank 358 of 629

Efficiency Ratio

74.85%

Rank 421 of 629

Equity / Assets

8.31%

Rank 537 of 629

Non-interest income vs. expense

$5.1M$15.3MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 33% of banks under $1B in assets
Bank 74.85%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.87%0.60%1.01%1.45%Beats 39%383 / 629
Return on Equity10.48%5.38%9.30%13.28%Beats 56%276 / 629
Net Interest Margin3.41%3.03%3.54%4.05%Beats 43%358 / 629
Efficiency Ratio74.85%58.35%67.79%79.08%Beats 33%421 / 629
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.46%1.20%Beats 71%170 / 581
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 30%405 / 581
Capital
Tier 1 Capital Ratio27.64%11.24%13.84%18.77%Beats 85%92 / 629
Total Risk-Based Capital Ratio28.89%11.58%14.43%19.66%Beats 86%89 / 629
Equity / Assets8.31%9.09%10.65%13.80%Beats 15%537 / 629
Liquidity & Funding
Loans / Deposits52.11%67.24%80.90%93.48%12th pctl525 / 594
Loans / Assets46.17%53.31%67.71%78.15%17th pctl520 / 629
Brokered Deposits / Depositsn/aNot reported for this institution