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Bank of Houston, The

Houston, MO · Cert 13960 · Summit 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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

Bank of Houston, The

Houston, MO · Cert 13960 · Summit Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$67.4MAssets
$54.8MLoans
$51.2MDeposits
$9.5MEquity
Loan mix
68%RE $36.1M32%C&I $16.7M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $42.3M17%Noninterest $8.8MQ2 2025Q2 2026

NIM

7.32%Q2 ’247.19%Q2 ’257.03%Q2 ’26+2%0%

Non-interest income vs. expense

5.86%Q2 ’245.49%Q2 ’255.92%Q2 ’26+19%-9%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #106 of 111 inst. · $0.0B of $141.7B

8.6% Texas
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 1.07%, up 58 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.16% of loans (-141 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.14%, up 71 bps from a year ago.
  • Funding: loans stand at 107.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+58 bps YoY

Net Interest Margin (YTD, annualized)

5.24%-1 bps YoY

Efficiency Ratio (YTD, annualized)

78.56%-311 bps YoY

Tier 1 Leverage Ratio

14.14%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.66%0.60%1.77%1.07%+58 bps
Return on Equity3.65%4.94%4.37%12.18%7.43%+379 bps
Net Interest Margin5.25%5.18%5.23%5.24%5.24%-1 bps
Efficiency Ratio81.67%81.03%81.36%71.01%78.56%-311 bps
Non-Interest Burden4.06%3.95%4.01%2.71%3.68%-38 bps
Growth
Asset Growth (YoY)-3.68%-3.69%-6.22%0.18%4.94%+863 bps
Loan Growth (YoY)0.39%-6.84%-0.07%8.36%5.84%+545 bps
Deposit Growth (YoY)0.62%-0.03%3.03%2.55%6.87%+625 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.12%1.06%0.33%0.16%-141 bps
Net Charge-Offs / Loans0.02%0.69%0.64%0.00%0.00%-2 bps
Allowance / Loans3.96%3.61%3.49%3.43%3.37%-60 bps
Allowance Coverage of NPLs2.5x3.2x3.3x10.4x21.0x+18.4x
Capital
Tier 1 Leverage Ratio13.43%13.73%14.00%14.31%14.14%+71 bps
Total Risk-Based Capital13.43%13.73%14.00%14.31%14.14%+71 bps
Equity / Assets13.73%13.68%14.45%14.63%14.11%+38 bps
Liquidity & Funding
Loans / Deposits108.21%100.40%103.95%106.15%107.17%-104 bps
Liquid Assets / Assets2.32%2.41%2.67%2.58%3.36%+104 bps
CRE / Total Capitaln/a329%329%328%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

Bank of Houston, The

Houston, MO · Cert 13960 · Peer group: banks under $1B in assets in MO (n=82-83) · Summit Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$67.4MAssets
$54.8MLoans
$51.2MDeposits
$9.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
  • Widest gap: efficiency ratio trails 89% of banks under $1B in assets in MO (rank 75 of 83).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.03%

Rank 61 of 83

Net Interest Margin

5.24%

Rank 1 of 83

Efficiency Ratio

79.57%

Rank 75 of 83

Equity / Assets

14.11%

Rank 15 of 83

Non-interest income vs. expense

$1.5M$3.9MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 11% of banks under $1B in assets in MO
Bank 79.57%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.96%1.32%1.75%Beats 27%61 / 83
Return on Equity7.32%9.66%12.96%15.76%Beats 17%69 / 83
Net Interest Margin5.24%3.35%3.85%4.16%Beats 99%1 / 83
Efficiency Ratio79.57%49.83%58.83%68.51%Beats 11%75 / 83
Asset Quality
Nonperforming Loans / Loans0.16%0.08%0.51%1.01%Beats 68%27 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio14.14%11.01%12.49%14.98%Beats 67%27 / 83
Total Risk-Based Capital Ratio14.14%11.13%13.01%15.10%Beats 63%31 / 83
Equity / Assets14.11%8.83%10.71%13.29%Beats 82%15 / 83
Liquidity & Funding
Loans / Deposits107.17%69.28%83.22%91.21%94th pctl5 / 82
Loans / Assets81.39%59.34%71.15%78.36%86th pctl12 / 83
Brokered Deposits / Depositsn/aNot reported for this institution