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PSB Bank

Rhineland, MO · Cert 15264 · Rhineland Bancshares Inc.

State charter, non-member · FDIC · 15 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

31

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

PSB Bank

Rhineland, MO · Cert 15264 · Rhineland Bancshares Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$854.5MAssets
$671.1MLoans
$694.1MDeposits
$71.4MEquity
Loan mix
87%RE $553.7M11%C&I $70.2M2%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $540.3M22%Noninterest $153.8MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.65%Q2 ’255.85%Q2 ’26+14%+6%

Non-interest income vs. expense

2.38%Q2 ’242.53%Q2 ’252.83%Q2 ’26+8%+15%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #65 of 111 inst. · $0.2B of $141.7B

45.0% Montgomery
1.4% St. Charles
30.0% Gasconade
10.4% Pike

Executive Summary

  • Earnings: ROA of 1.19%, up 2 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.29% of loans (+8 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.12%, down 158 bps from a year ago.
  • Funding: loans stand at 96.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+21 bps YoY

Efficiency Ratio (YTD, annualized)

64.84%+439 bps YoY

Tier 1 Leverage Ratio

8.12%-158 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.20%1.17%1.11%1.19%+2 bps
Return on Equity12.73%12.90%12.57%11.80%13.19%+46 bps
Net Interest Margin3.76%3.70%3.38%3.88%3.97%+21 bps
Efficiency Ratio60.45%60.36%60.82%66.29%64.84%+439 bps
Non-Interest Burden2.10%2.06%1.88%2.41%2.40%+31 bps
Growth
Asset Growth (YoY)4.31%5.76%23.44%22.36%22.34%+1,803 bps
Loan Growth (YoY)5.04%7.04%20.77%20.09%20.18%+1,514 bps
Deposit Growth (YoY)7.09%6.05%26.73%27.32%19.41%+1,233 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.27%0.20%0.21%0.29%+8 bps
Net Charge-Offs / Loans0.04%0.03%0.07%0.02%-0.01%-5 bps
Allowance / Loans1.05%1.04%1.05%1.05%1.06%+1 bps
Allowance Coverage of NPLs5.0x3.8x5.2x5.0x3.7x-1.3x
Capital
Tier 1 Leverage Ratio9.70%9.71%8.90%9.03%8.12%-158 bps
Total Risk-Based Capital12.29%12.50%11.74%11.78%10.39%-190 bps
Equity / Assets9.33%9.42%9.38%9.46%8.36%-98 bps
Liquidity & Funding
Loans / Deposits96.08%99.50%93.25%92.34%96.69%+62 bps
Liquid Assets / Assets3.53%3.36%2.22%4.08%6.01%+248 bps
CRE / Total Capitaln/a368%385%385%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

PSB Bank

Rhineland, MO · Cert 15264 · Peer group: banks under $1B in assets in MO (n=82-83) · Rhineland Bancshares Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$854.5MAssets
$671.1MLoans
$694.1MDeposits
$71.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks under $1B in assets in MO (rank 30 of 83).
  • Widest gap: tier 1 capital ratio trails 96% of banks under $1B in assets in MO (rank 80 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.17%

Rank 50 of 83

Net Interest Margin

3.97%

Rank 34 of 83

Efficiency Ratio

64.84%

Rank 58 of 83

Equity / Assets

8.36%

Rank 70 of 83

Non-interest income vs. expense

$3.6M$23.4MINCOMEEXPENSE
Unfavorable gap of $19.9M · efficiency ratio beats 31% of banks under $1B in assets in MO
Bank 64.84%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.96%1.32%1.75%Beats 40%50 / 83
Return on Equity13.97%9.66%12.96%15.76%Beats 64%30 / 83
Net Interest Margin3.97%3.35%3.85%4.16%Beats 59%34 / 83
Efficiency Ratio64.84%49.83%58.83%68.51%Beats 31%58 / 83
Asset Quality
Nonperforming Loans / Loans0.29%0.08%0.51%1.01%Beats 61%33 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 49%43 / 82
Capital
Tier 1 Capital Ratio9.37%11.01%12.49%14.98%Beats 4%80 / 83
Total Risk-Based Capital Ratio10.39%11.13%13.01%15.10%Beats 13%72 / 83
Equity / Assets8.36%8.83%10.71%13.29%Beats 16%70 / 83
Liquidity & Funding
Loans / Deposits96.69%69.28%83.22%91.21%85th pctl12 / 82
Loans / Assets78.54%59.34%71.15%78.36%76th pctl20 / 83
Brokered Deposits / Depositsn/aNot reported for this institution