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Missouri Bank, The

Warrenton, MO · Cert 14036 · Warren County Bancshares Inc.

State charter, Fed member · FED · 7 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

90

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

Missouri Bank, The

Warrenton, MO · Cert 14036 · Warren County Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$461.5MAssets
$314.1MLoans
$403.2MDeposits
$57.5MEquity
Loan mix
96%RE $298.7M4%C&I $11.3M1%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $290.5M28%Noninterest $112.6MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #58 of 111 inst. · $0.3B of $141.7B

23.2% Warren
0.9% St. Charles
5.7% Pettis
7.7% Gasconade

Executive Summary

  • Earnings: ROA of 1.68%, up 36 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.13% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.57%, up 60 bps from a year ago.
  • Funding: loans stand at 77.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.68%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+27 bps YoY

Efficiency Ratio (YTD, annualized)

46.30%-363 bps YoY

Tier 1 Leverage Ratio

12.57%+60 bps YoY

NIM

4.75%Q2 ’245.03%Q2 ’255.18%Q2 ’26+8%+8%

Non-interest income vs. expense

1.99%Q2 ’241.86%Q2 ’251.87%Q2 ’26-11%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.19%1.24%1.32%1.41%1.29%1.64%1.68%+36 bps
Return on Equity11.16%11.11%11.65%12.38%12.99%11.84%14.54%14.37%+200 bps
Net Interest Margin3.16%3.07%3.28%3.35%3.42%3.46%3.58%3.62%+27 bps
Efficiency Ratio52.62%53.17%51.24%49.93%48.76%53.43%45.59%46.30%-363 bps
Non-Interest Burden1.51%1.49%1.52%1.48%1.48%1.68%1.40%1.46%-3 bps
Growth
Asset Growth (YoY)6.50%9.01%8.18%12.48%10.66%7.16%4.04%-1.82%-1,430 bps
Loan Growth (YoY)10.62%6.75%11.38%12.58%12.83%15.00%8.67%5.05%-754 bps
Deposit Growth (YoY)4.46%9.12%7.82%12.53%10.63%6.29%3.19%-3.60%-1,612 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.04%0.10%0.06%0.10%0.10%0.13%0.13%+6 bps
Net Charge-Offs / Loans0.02%0.02%0.05%0.03%0.02%0.03%0.00%0.01%-2 bps
Allowance / Loans1.27%1.26%1.21%1.21%1.23%1.20%1.23%1.24%+3 bps
Allowance Coverage of NPLs26.4x29.4x11.9x19.5x11.9x11.6x9.3x9.9x-9.6x
Capital
Tier 1 Leverage Ratio12.60%12.22%11.88%11.97%12.21%12.15%12.28%12.57%+60 bps
Total Risk-Based Capital12.60%12.22%11.88%11.97%12.21%12.15%12.28%12.57%+60 bps
Equity / Assets11.61%10.26%10.94%10.82%11.52%10.93%11.72%12.46%+165 bps
Liquidity & Funding
Loans / Deposits72.34%66.25%71.42%71.50%73.78%71.67%75.21%77.91%+641 bps
Liquid Assets / Assets5.70%1.74%7.38%9.00%6.37%7.12%6.71%3.32%-568 bps
CRE / Total Capitaln/an/an/an/a272%262%252%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

Missouri Bank, The

Warrenton, MO · Cert 14036 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Warren County Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$461.5MAssets
$314.1MLoans
$403.2MDeposits
$57.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in the St. Louis, MO-IL area (rank 5 of 40).
  • Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 40).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.74%

Rank 5 of 40

Net Interest Margin

3.62%

Rank 10 of 40

Efficiency Ratio

46.30%

Rank 5 of 40

Equity / Assets

12.46%

Rank 10 of 40

Non-interest income vs. expense

$2.0M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 90% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 46.30%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.74%0.64%1.04%1.26%Beats 88%5 / 40
Return on Equity13.99%6.25%9.97%13.41%Beats 83%7 / 40
Net Interest Margin3.62%3.09%3.22%3.62%Beats 75%10 / 40
Efficiency Ratio46.30%57.08%64.37%75.86%Beats 90%5 / 40
Asset Quality
Nonperforming Loans / Loans0.13%0.14%0.62%1.92%Beats 82%8 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 66%14 / 38
Capital
Tier 1 Capital Ratio12.57%10.29%12.88%15.77%Beats 48%21 / 40
Total Risk-Based Capital Ratio12.57%10.64%13.30%17.01%Beats 45%22 / 40
Equity / Assets12.46%8.59%9.46%12.46%Beats 75%10 / 40
Liquidity & Funding
Loans / Deposits77.91%66.12%79.48%94.60%45th pctl22 / 40
Loans / Assets68.07%54.69%68.52%77.46%45th pctl22 / 40
Brokered Deposits / Depositsn/aNot reported for this institution