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Focus Bank

Charleston, MO · Cert 1426 · Security State Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$854.1MAssets
$713.0MLoans
$679.8MDeposits
$103.5MEquity
Loan mix
88%RE $571.0M9%C&I $61.1M3%Consumer $18.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $562.5M17%Noninterest $117.3MQ3 2024Q2 2026

Market Position · Jonesboro, AR · 2026 SOD (annual) · 3.1% share · #13 of 25 inst. · $0.1B of $4.7B

13.4% Greene
50.7% Mississippi
3.5% Craighead
25.8% New Madrid

Executive Summary

  • Earnings: ROA of 1.31%, up 20 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.85% of loans (+61 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.61%, up 38 bps from a year ago.
  • Funding: loans stand at 104.89% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+19 bps YoY

Efficiency Ratio (YTD, annualized)

64.45%-237 bps YoY

Tier 1 Leverage Ratio

12.61%+38 bps YoY

NIM

5.71%Q2 ’246.00%Q2 ’256.16%Q2 ’26+6%+5%

Non-interest income vs. expense

3.10%Q2 ’243.13%Q2 ’253.24%Q2 ’26+6%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.12%1.17%1.11%1.20%1.24%1.18%1.31%+20 bps
Return on Equity9.63%9.91%10.22%9.72%10.47%10.78%10.15%11.11%+139 bps
Net Interest Margin3.81%3.81%4.09%4.11%4.10%4.08%4.10%4.30%+19 bps
Efficiency Ratio67.21%66.68%66.42%66.81%65.63%64.24%65.47%64.45%-237 bps
Non-Interest Burden2.34%2.32%2.52%2.55%2.47%2.37%2.45%2.51%-4 bps
Growth
Asset Growth (YoY)2.33%1.39%2.55%4.32%2.91%6.22%5.13%-0.10%-442 bps
Loan Growth (YoY)3.19%1.69%2.67%3.80%2.63%6.06%1.29%0.18%-362 bps
Deposit Growth (YoY)2.26%2.94%4.48%5.16%4.08%3.91%3.54%4.30%-86 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.21%0.21%0.24%0.25%0.26%0.46%0.85%+61 bps
Net Charge-Offs / Loans0.08%0.07%0.05%0.07%0.06%0.05%0.05%0.05%-2 bps
Allowance / Loans1.04%1.07%1.07%1.09%1.08%1.14%1.22%1.21%+12 bps
Allowance Coverage of NPLs9.0x5.2x5.0x4.5x4.3x4.4x2.7x1.4x-3.1x
Capital
Tier 1 Leverage Ratio12.04%12.09%12.19%12.24%12.26%12.34%12.01%12.61%+38 bps
Total Risk-Based Capital12.04%12.09%12.19%12.24%12.26%12.34%12.01%12.61%+38 bps
Equity / Assets11.35%11.46%11.37%11.46%11.70%11.74%11.50%12.12%+66 bps
Liquidity & Funding
Loans / Deposits112.29%107.70%103.92%109.20%110.72%109.93%101.67%104.89%-432 bps
Liquid Assets / Assets1.39%0.96%2.12%2.38%1.54%1.49%6.28%2.38%0 bps
CRE / Total Capitaln/an/an/an/a195.01%203%201%n/an/a