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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

$445.1MAssets
$205.5MLoans
$394.4MDeposits
$37.0MEquity
Loan mix
86%RE $113.7M11%C&I $14.6M3%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $274.1M31%Noninterest $120.3MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.89%0.80%0.88%+6 bps
Return on Equity11.09%11.60%11.49%9.63%10.63%-46 bps
Net Interest Margin3.15%3.21%3.24%3.38%3.41%+26 bps
Efficiency Ratio75.80%74.44%74.48%76.16%74.85%-95 bps
Non-Interest Burden2.10%2.08%2.11%2.29%2.25%+16 bps
Growth
Asset Growth (YoY)4.17%5.42%5.55%2.64%2.60%-157 bps
Loan Growth (YoY)4.13%8.18%12.00%5.64%9.49%+536 bps
Deposit Growth (YoY)2.80%4.02%2.96%2.67%4.00%+120 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.02%0.07%0.13%+10 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.07%0.04%0 bps
Allowance / Loans1.00%0.96%0.94%0.98%0.95%-5 bps
Allowance Coverage of NPLs31.2x33.0x37.9x13.2x7.2x-24.0x
Capital
Tier 1 Leverage Ratio7.77%8.02%8.01%8.22%8.37%+60 bps
Total Risk-Based Capital26.54%26.38%26.43%28.12%28.89%+234 bps
Equity / Assets7.47%8.06%8.31%8.25%8.31%+84 bps
Liquidity & Funding
Loans / Deposits49.50%51.52%53.34%50.13%52.11%+261 bps
Liquid Assets / Assets22.36%20.67%19.46%20.34%18.81%-355 bps
CRE / Total Capitaln/a61.57%62.47%56.58%n/an/a