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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

$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