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Town & Country Bank

Salem, MO · Cert 13071 · Town&Country Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 in MO (n=82 to 83). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

71

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

Town & Country Bank

Salem, MO · Cert 13071 · Town&Country Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$747.7MAssets
$503.2MLoans
$642.2MDeposits
$81.3MEquity
Loan mix
93%RE $437.4M4%C&I $21.0M3%Consumer $13.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $472.6M26%Noninterest $169.6MQ2 2025Q2 2026

NIM

4.65%Q2 ’245.04%Q2 ’255.20%Q2 ’26+7%+9%

Non-interest income vs. expense

2.51%Q2 ’242.53%Q2 ’252.75%Q2 ’26-3%-19%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #97 of 111 inst. · $0.0B of $141.7B

12.5% Phelps
41.9% Dent
32.3% Douglas
15.0% Texas

Executive Summary

  • Earnings: ROA of 1.99%, up 48 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.35% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.37%, up 104 bps from a year ago.
  • Funding: loans stand at 78.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.99%+48 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+33 bps YoY

Efficiency Ratio (YTD, annualized)

51.88%-523 bps YoY

Tier 1 Leverage Ratio

12.37%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.55%1.56%2.21%1.99%+48 bps
Return on Equity16.43%16.52%16.20%21.02%18.65%+222 bps
Net Interest Margin3.67%3.77%3.89%3.97%4.00%+33 bps
Efficiency Ratio57.11%56.16%56.07%52.07%51.88%-523 bps
Non-Interest Burden1.75%1.77%1.82%1.15%1.42%-32 bps
Growth
Asset Growth (YoY)7.31%3.86%2.23%2.83%0.26%-705 bps
Loan Growth (YoY)6.52%8.15%4.94%4.40%5.61%-91 bps
Deposit Growth (YoY)6.42%3.38%1.27%2.78%-0.36%-678 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.34%0.34%0.38%0.35%+9 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.00%0.00%-1 bps
Allowance / Loans1.29%1.27%1.33%1.33%1.35%+6 bps
Allowance Coverage of NPLs4.8x3.7x3.9x3.5x3.8x-1.0x
Capital
Tier 1 Leverage Ratio11.32%11.56%12.02%12.27%12.37%+104 bps
Total Risk-Based Capital19.96%19.69%19.88%20.88%20.65%+70 bps
Equity / Assets9.37%9.96%10.62%10.46%10.88%+151 bps
Liquidity & Funding
Loans / Deposits73.92%77.65%79.17%75.12%78.35%+443 bps
Liquid Assets / Assets6.89%3.40%1.31%6.73%3.03%-386 bps
CRE / Total Capitaln/a133.78%129.40%121.62%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

Town & Country Bank

Salem, MO · Cert 13071 · Peer group: banks under $1B in assets in MO (n=82-83) · Town&Country Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$747.7MAssets
$503.2MLoans
$642.2MDeposits
$81.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets in MO (rank 9 of 83).
  • Widest gap: equity / assets trails 47% of banks under $1B in assets in MO (rank 39 of 83).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.97%

Rank 10 of 83

Net Interest Margin

4.00%

Rank 33 of 83

Efficiency Ratio

51.88%

Rank 25 of 83

Equity / Assets

10.88%

Rank 39 of 83

Non-interest income vs. expense

$10.0M$20.8MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 71% of banks under $1B in assets in MO
Bank 51.88%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.97%0.96%1.32%1.75%Beats 88%10 / 83
Return on Equity18.15%9.66%12.96%15.76%Beats 87%11 / 83
Net Interest Margin4.00%3.35%3.85%4.16%Beats 60%33 / 83
Efficiency Ratio51.88%49.83%58.83%68.51%Beats 71%25 / 83
Asset Quality
Nonperforming Loans / Loans0.35%0.08%0.51%1.01%Beats 56%37 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 66%29 / 82
Capital
Tier 1 Capital Ratio19.40%11.01%12.49%14.98%Beats 88%10 / 83
Total Risk-Based Capital Ratio20.65%11.13%13.01%15.10%Beats 89%9 / 83
Equity / Assets10.88%8.83%10.71%13.29%Beats 53%39 / 83
Liquidity & Funding
Loans / Deposits78.35%69.28%83.22%91.21%40th pctl49 / 82
Loans / Assets67.30%59.34%71.15%78.36%36th pctl53 / 83
Brokered Deposits / Depositsn/aNot reported for this institution