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Northeast Missouri State Bank

Kirksville, MO · Cert 13381 · Schuyler County Bancshares Inc.

State charter, non-member · FDIC · 2 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

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

Northeast Missouri State Bank

Kirksville, MO · Cert 13381 · Schuyler County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$164.1MAssets
$66.9MLoans
$147.4MDeposits
$16.1MEquity
Loan mix
83%RE $45.8M9%C&I $4.7M9%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $112.4M24%Noninterest $35.0MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.29%Q2 ’254.36%Q2 ’26+6%+8%

Non-interest income vs. expense

1.54%Q2 ’241.52%Q2 ’251.42%Q2 ’26-5%-4%

Executive Summary

  • Earnings: ROA of 1.20%, up 22 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.02% of loans (-11 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.11%, down 48 bps from a year ago.
  • Funding: loans stand at 45.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+21 bps YoY

Efficiency Ratio (YTD, annualized)

48.49%-662 bps YoY

Tier 1 Leverage Ratio

11.11%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.06%1.08%1.18%1.20%+22 bps
Return on Equity11.48%11.95%11.83%11.96%12.22%+75 bps
Net Interest Margin2.57%2.60%2.60%2.76%2.78%+21 bps
Efficiency Ratio55.11%52.68%52.52%48.51%48.49%-662 bps
Non-Interest Burden1.30%1.25%1.25%1.23%1.24%-5 bps
Growth
Asset Growth (YoY)8.46%9.14%10.32%10.45%9.13%+67 bps
Loan Growth (YoY)3.95%9.89%8.98%5.03%4.40%+45 bps
Deposit Growth (YoY)7.19%8.22%7.82%9.06%8.16%+98 bps
Asset Quality
Nonperforming Loans / Loans0.13%3.07%0.59%0.03%0.02%-11 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.01%0.00%0.02%+6 bps
Allowance / Loans1.26%1.22%1.18%1.23%1.19%-7 bps
Allowance Coverage of NPLs9.5x0.4x2.0x40.2x56.9x+47.4x
Capital
Tier 1 Leverage Ratio11.58%11.54%11.43%11.42%11.11%-48 bps
Total Risk-Based Capital22.07%23.42%22.20%23.92%22.18%+11 bps
Equity / Assets8.95%9.72%10.02%9.71%9.78%+83 bps
Liquidity & Funding
Loans / Deposits47.02%48.12%48.40%44.34%45.38%-164 bps
Liquid Assets / Assets6.72%6.52%6.17%12.65%8.40%+168 bps
CRE / Total Capitaln/a26.83%21.36%19.85%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

Northeast Missouri State Bank

Kirksville, MO · Cert 13381 · Peer group: banks under $1B in assets in MO (n=82-83) · Schuyler County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$164.1MAssets
$66.9MLoans
$147.4MDeposits
$16.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets in MO (rank 6 of 83).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in MO (rank 78 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 47 of 83

Net Interest Margin

2.78%

Rank 78 of 83

Efficiency Ratio

48.49%

Rank 20 of 83

Equity / Assets

9.78%

Rank 50 of 83

Non-interest income vs. expense

$0.3M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 77% of banks under $1B in assets in MO
Bank 48.49%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.96%1.32%1.75%Beats 43%47 / 83
Return on Equity12.15%9.66%12.96%15.76%Beats 40%50 / 83
Net Interest Margin2.78%3.35%3.85%4.16%Beats 6%78 / 83
Efficiency Ratio48.49%49.83%58.83%68.51%Beats 77%20 / 83
Asset Quality
Nonperforming Loans / Loans0.02%0.08%0.51%1.01%Beats 87%12 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 56%37 / 82
Capital
Tier 1 Capital Ratio21.24%11.01%12.49%14.98%Beats 93%6 / 83
Total Risk-Based Capital Ratio22.18%11.13%13.01%15.10%Beats 93%6 / 83
Equity / Assets9.78%8.83%10.71%13.29%Beats 40%50 / 83
Liquidity & Funding
Loans / Deposits45.38%69.28%83.22%91.21%4th pctl79 / 82
Loans / Assets40.76%59.34%71.15%78.36%5th pctl79 / 83
Brokered Deposits / Depositsn/aNot reported for this institution