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New Era Bank

Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.

State charter, non-member · FDIC · 8 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

Trailing 9 quarters, through Q2 2026

Capital

68

Q2 2024Q2 2026Peer median (50)

Asset Quality

47

Q2 2024Q2 2026Peer median (50)

Profitability

66

Q2 2024Q2 2026Peer median (50)

Liquidity

33

Q2 2024Q2 2026Peer median (100)

Efficiency

83

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

New Era Bank

Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$453.1MAssets
$254.3MLoans
$387.7MDeposits
$63.7MEquity
Loan mix
93%RE $225.4M4%C&I $9.7M3%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $374.3M3%Noninterest $13.4MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.86%Q2 ’254.99%Q2 ’26+12%+6%

Non-interest income vs. expense

2.06%Q2 ’241.84%Q2 ’252.08%Q2 ’26-26%+38%

Executive Summary

  • Earnings: ROA of 1.93%, up 24 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.02% of loans (-280 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 13.98%, up 94 bps from a year ago.
  • Funding: loans stand at 65.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.93%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+22 bps YoY

Efficiency Ratio (YTD, annualized)

44.97%+449 bps YoY

Tier 1 Leverage Ratio

13.98%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.82%1.90%1.85%1.93%+24 bps
Return on Equity12.75%13.53%13.97%13.09%13.71%+96 bps
Net Interest Margin3.74%3.77%3.80%3.97%3.97%+22 bps
Efficiency Ratio40.48%40.91%41.21%47.31%44.97%+449 bps
Non-Interest Burden1.01%1.07%1.11%1.51%1.39%+39 bps
Growth
Asset Growth (YoY)3.39%5.43%3.11%3.54%4.49%+110 bps
Loan Growth (YoY)-5.16%-4.56%-2.75%-0.06%3.22%+838 bps
Deposit Growth (YoY)2.22%4.63%1.76%2.53%3.88%+166 bps
Asset Quality
Nonperforming Loans / Loans2.83%0.79%0.78%0.04%0.02%-280 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.47%0.25%+23 bps
Allowance / Loans1.53%1.51%1.48%1.38%1.40%-13 bps
Allowance Coverage of NPLs0.5x1.9x1.9x32.7x58.4x+57.9x
Capital
Tier 1 Leverage Ratio13.04%13.34%13.48%13.88%13.98%+94 bps
Total Risk-Based Capital13.04%13.34%13.48%13.88%13.98%+94 bps
Equity / Assets13.57%13.92%14.27%13.95%14.06%+49 bps
Liquidity & Funding
Loans / Deposits66.01%66.49%68.31%66.11%65.59%-42 bps
Liquid Assets / Assets12.25%9.36%7.30%8.64%9.81%-244 bps
CRE / Total Capitaln/a186.28%189.51%176.35%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 2026-10-12

New Era Bank

Fredericktown, MO · Cert 14546 · Peer group: banks under $1B in assets in MO (n=82-83) · New Era Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$453.1MAssets
$254.3MLoans
$387.7MDeposits
$63.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets in MO (rank 13 of 82).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in MO (rank 76 of 82).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.91%

Rank 14 of 83

Net Interest Margin

3.97%

Rank 35 of 83

Efficiency Ratio

44.97%

Rank 15 of 83

Equity / Assets

14.06%

Rank 17 of 83

Non-interest income vs. expense

$3.0M$9.1MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 83% of banks under $1B in assets in MO
Bank 44.97%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%0.96%1.32%1.75%Beats 83%14 / 83
Return on Equity13.55%9.66%12.96%15.76%Beats 57%36 / 83
Net Interest Margin3.97%3.35%3.85%4.16%Beats 58%35 / 83
Efficiency Ratio44.97%49.83%58.83%68.51%Beats 83%15 / 83
Asset Quality
Nonperforming Loans / Loans0.02%0.08%0.51%1.01%Beats 85%13 / 82
Net Charge-Offs / Loans0.13%0.00%0.01%0.06%Beats 9%76 / 82
Capital
Tier 1 Capital Ratio13.98%11.01%12.49%14.98%Beats 64%30 / 83
Total Risk-Based Capital Ratio13.98%11.13%13.01%15.10%Beats 59%34 / 83
Equity / Assets14.06%8.83%10.71%13.29%Beats 80%17 / 83
Liquidity & Funding
Loans / Deposits65.59%69.28%83.22%91.21%18th pctl67 / 82
Loans / Assets56.12%59.34%71.15%78.36%17th pctl69 / 83
Brokered Deposits / Depositsn/aNot reported for this institution