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Silex Banking Company

Silex, MO · Cert 14178 · Silex Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

45

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

Silex Banking Company

Silex, MO · Cert 14178 · Silex Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.2MAssets
$62.0MLoans
$84.4MDeposits
$13.6MEquity
Loan mix
96%RE $56.4M3%C&I $1.7M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $68.5M19%Noninterest $15.9MQ2 2025Q2 2026

NIM

4.30%Q2 ’244.56%Q2 ’254.72%Q2 ’26+0%+10%

Non-interest income vs. expense

2.01%Q2 ’242.26%Q2 ’252.31%Q2 ’26+14%+3%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #79 of 111 inst. · $0.1B of $141.7B

Executive Summary

  • Earnings: ROA of 1.05%, up 68 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.91% of loans (+91 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.67%, up 35 bps from a year ago.
  • Funding: loans stand at 73.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+68 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+32 bps YoY

Efficiency Ratio (YTD, annualized)

66.92%-485 bps YoY

Tier 1 Leverage Ratio

14.67%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.81%0.93%0.98%1.05%+68 bps
Return on Equity2.79%5.93%6.79%6.93%7.47%+468 bps
Net Interest Margin3.08%3.20%2.99%3.42%3.40%+32 bps
Efficiency Ratio71.77%62.31%62.66%68.61%66.92%-485 bps
Non-Interest Burden2.19%1.97%1.85%2.32%2.25%+6 bps
Growth
Asset Growth (YoY)-0.48%-0.78%-1.12%2.96%4.73%+521 bps
Loan Growth (YoY)19.16%16.61%14.95%12.23%2.91%-1,625 bps
Deposit Growth (YoY)-0.91%-1.33%-2.44%2.17%4.29%+520 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.91%+91 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.01%0.89%0.87%0.89%-12 bps
Allowance Coverage of NPLsn/an/an/an/a1.0xn/a
Capital
Tier 1 Leverage Ratio14.32%14.76%13.19%15.00%14.67%+35 bps
Total Risk-Based Capital14.32%14.76%13.19%15.00%14.67%+35 bps
Equity / Assets13.51%14.18%14.38%13.89%13.90%+38 bps
Liquidity & Funding
Loans / Deposits74.43%75.95%78.95%75.55%73.44%-99 bps
Liquid Assets / Assets19.16%17.73%19.28%20.77%20.32%+117 bps
CRE / Total Capitaln/a79.72%90.35%97.43%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

Silex Banking Company

Silex, MO · Cert 14178 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Silex Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.2MAssets
$62.0MLoans
$84.4MDeposits
$13.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: return on equity trails 70% of banks under $1B in assets in the St. Louis, MO-IL area (rank 28 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.02%

Rank 21 of 40

Net Interest Margin

3.40%

Rank 14 of 40

Efficiency Ratio

66.92%

Rank 23 of 40

Equity / Assets

13.90%

Rank 7 of 40

Non-interest income vs. expense

$0.1M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 45% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 66.92%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.64%1.04%1.26%Beats 48%21 / 40
Return on Equity7.37%6.25%9.97%13.41%Beats 30%28 / 40
Net Interest Margin3.40%3.09%3.22%3.62%Beats 65%14 / 40
Efficiency Ratio66.92%57.08%64.37%75.86%Beats 45%23 / 40
Asset Quality
Nonperforming Loans / Loans0.91%0.14%0.62%1.92%Beats 45%22 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio14.67%10.29%12.88%15.77%Beats 65%14 / 40
Total Risk-Based Capital Ratio14.67%10.64%13.30%17.01%Beats 60%16 / 40
Equity / Assets13.90%8.59%9.46%12.46%Beats 83%7 / 40
Liquidity & Funding
Loans / Deposits73.44%66.12%79.48%94.60%38th pctl25 / 40
Loans / Assets63.17%54.69%68.52%77.46%38th pctl25 / 40
Brokered Deposits / Depositsn/aNot reported for this institution