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Bank of New Madrid

New Madrid, MO · Cert 14701 · Dixie Bancshares Corp.

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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

54

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 New Madrid

New Madrid, MO · Cert 14701 · Dixie Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$116.6MAssets
$66.5MLoans
$98.9MDeposits
$16.4MEquity
Loan mix
89%RE $49.7M7%C&I $3.7M5%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $72.9M26%Noninterest $25.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.50%, up 7 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.04% of loans (-18 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 14.11%, up 115 bps from a year ago.
  • Funding: loans stand at 67.22% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.50%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+26 bps YoY

Efficiency Ratio (YTD, annualized)

57.67%+29 bps YoY

Tier 1 Leverage Ratio

14.11%+115 bps YoY

NIM

4.80%Q2 ’245.07%Q2 ’255.17%Q2 ’26+9%+7%

Non-interest income vs. expense

2.42%Q2 ’242.43%Q2 ’252.61%Q2 ’26+2%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.22%1.33%1.42%1.40%1.39%1.47%1.50%+7 bps
Return on Equity10.19%10.11%11.09%11.64%11.20%10.86%10.75%10.84%-80 bps
Net Interest Margin3.67%3.67%3.58%3.78%3.98%3.97%3.84%4.04%+26 bps
Efficiency Ratio61.95%62.14%58.70%57.38%58.53%59.24%57.74%57.67%+29 bps
Non-Interest Burden2.08%2.09%1.93%1.97%2.13%2.16%2.01%2.12%+15 bps
Growth
Asset Growth (YoY)8.02%4.65%2.66%1.38%3.02%-1.97%-2.60%-1.55%-293 bps
Loan Growth (YoY)-2.11%0.40%4.88%2.06%7.14%1.42%0.04%6.70%+464 bps
Deposit Growth (YoY)6.54%4.19%1.73%0.40%-3.60%-3.82%-4.05%-4.13%-453 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.42%0.33%0.22%0.26%0.12%0.12%0.04%-18 bps
Net Charge-Offs / Loans0.03%0.02%-0.01%-0.01%0.00%0.00%0.05%0.05%+5 bps
Allowance / Loans1.43%1.40%1.46%1.43%1.35%1.39%1.46%1.32%-11 bps
Allowance Coverage of NPLs11.0x3.4x4.4x6.5x5.1x11.1x12.6x33.7x+27.2x
Capital
Tier 1 Leverage Ratio13.23%13.61%12.44%12.96%13.82%14.20%13.65%14.11%+115 bps
Total Risk-Based Capital13.23%13.61%12.44%12.96%13.82%14.20%13.65%14.11%+115 bps
Equity / Assets12.92%12.11%11.87%12.66%13.38%13.92%13.39%14.08%+143 bps
Liquidity & Funding
Loans / Deposits61.95%59.68%54.75%60.39%68.85%62.94%57.09%67.22%+682 bps
Liquid Assets / Assets5.10%7.46%13.37%8.28%1.43%1.22%10.91%2.17%-612 bps
CRE / Total Capitaln/an/an/an/a68.31%63.07%59.77%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 New Madrid

New Madrid, MO · Cert 14701 · Peer group: banks under $1B in assets in MO (n=82-83) · Dixie Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$116.6MAssets
$66.5MLoans
$98.9MDeposits
$16.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets in MO (rank 16 of 82).
  • Widest gap: return on equity trails 67% of banks under $1B in assets in MO (rank 56 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.53%

Rank 30 of 83

Net Interest Margin

4.04%

Rank 29 of 83

Efficiency Ratio

57.67%

Rank 39 of 83

Equity / Assets

14.08%

Rank 16 of 83

Non-interest income vs. expense

$0.6M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 54% of banks under $1B in assets in MO
Bank 57.67%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.96%1.32%1.75%Beats 64%30 / 83
Return on Equity10.88%9.66%12.96%15.76%Beats 33%56 / 83
Net Interest Margin4.04%3.35%3.85%4.16%Beats 65%29 / 83
Efficiency Ratio57.67%49.83%58.83%68.51%Beats 54%39 / 83
Asset Quality
Nonperforming Loans / Loans0.04%0.08%0.51%1.01%Beats 82%16 / 82
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 35%54 / 82
Capital
Tier 1 Capital Ratio14.11%11.01%12.49%14.98%Beats 66%28 / 83
Total Risk-Based Capital Ratio14.11%11.13%13.01%15.10%Beats 60%33 / 83
Equity / Assets14.08%8.83%10.71%13.29%Beats 81%16 / 83
Liquidity & Funding
Loans / Deposits67.22%69.28%83.22%91.21%21st pctl65 / 82
Loans / Assets56.99%59.34%71.15%78.36%20th pctl66 / 83
Brokered Deposits / Depositsn/aNot reported for this institution