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Hamilton Bank, The

Hamilton, MO · Cert 15606 · Prism Group Inc.

State charter, non-member · FDIC · 3 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 the Kansas City, MO-KS 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 Kansas City, MO-KS area (n=39 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

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

Hamilton Bank, The

Hamilton, MO · Cert 15606 · Prism Group Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$119.8MAssets
$51.6MLoans
$112.9MDeposits
$6.6MEquity
Loan mix
83%RE $36.0M13%C&I $5.6M4%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $82.2M27%Noninterest $30.7MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #70 of 114 inst. · $0.1B of $99.1B

39.0% Caldwell
4.7% Clinton

Executive Summary

  • Earnings: ROA of 1.21%, down 8 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.47% of loans (-81 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 9.29%, down 52 bps from a year ago.
  • Funding: loans stand at 45.74% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-29 bps YoY

Efficiency Ratio (YTD, annualized)

58.10%-140 bps YoY

Tier 1 Leverage Ratio

9.29%-52 bps YoY

NIM

4.85%Q2 ’245.11%Q2 ’254.70%Q2 ’26+9%-8%

Non-interest income vs. expense

2.33%Q2 ’242.39%Q2 ’252.07%Q2 ’26+4%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.06%1.25%1.29%1.24%1.19%1.09%1.21%-8 bps
Return on Equity25.19%28.52%35.74%34.87%30.35%26.85%20.25%22.33%-1,254 bps
Net Interest Margin3.32%3.29%3.63%3.62%3.54%3.65%3.57%3.33%-29 bps
Efficiency Ratio63.49%61.81%60.83%59.50%60.75%62.18%61.15%58.10%-140 bps
Non-Interest Burden1.96%1.89%2.03%1.99%2.02%2.14%2.08%1.84%-16 bps
Growth
Asset Growth (YoY)-0.63%6.10%8.01%7.61%9.93%2.78%8.23%8.04%+43 bps
Loan Growth (YoY)5.54%11.18%10.49%7.33%4.27%-5.08%-3.08%-4.25%-1,158 bps
Deposit Growth (YoY)1.94%11.54%7.42%9.02%8.63%0.12%6.77%6.48%-254 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.62%0.37%1.28%1.74%1.88%0.51%0.47%-81 bps
Net Charge-Offs / Loans0.02%0.03%0.00%0.00%0.00%0.10%-0.12%-0.06%-6 bps
Allowance / Loans0.56%0.51%0.53%0.52%0.53%0.46%0.55%0.55%+3 bps
Allowance Coverage of NPLs0.5x0.8x1.4x0.4x0.3x0.2x1.1x1.2x+0.8x
Capital
Tier 1 Leverage Ratio10.28%10.02%9.85%9.81%9.74%10.08%9.81%9.29%-52 bps
Total Risk-Based Capital17.45%15.50%17.19%16.45%17.29%17.07%17.62%17.63%+118 bps
Equity / Assets5.01%3.25%3.73%4.15%5.22%5.76%5.01%5.53%+138 bps
Liquidity & Funding
Loans / Deposits54.08%52.49%50.08%50.86%51.91%49.76%45.46%45.74%-512 bps
Liquid Assets / Assets0.34%0.54%0.53%2.96%2.92%2.93%2.94%3.77%+81 bps
CRE / Total Capitaln/an/an/an/a40.79%39.10%41.39%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

Hamilton Bank, The

Hamilton, MO · Cert 15606 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Prism Group Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$119.8MAssets
$51.6MLoans
$112.9MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 38 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 25 of 40

Net Interest Margin

3.33%

Rank 30 of 40

Efficiency Ratio

58.10%

Rank 21 of 40

Equity / Assets

5.53%

Rank 38 of 40

Non-interest income vs. expense

$0.3M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 50% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 58.10%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%1.02%1.39%1.86%Beats 38%25 / 40
Return on Equity21.47%10.74%14.78%21.32%Beats 78%9 / 40
Net Interest Margin3.33%3.33%4.05%4.63%Beats 25%30 / 40
Efficiency Ratio58.10%51.70%58.10%69.29%Beats 50%21 / 40
Asset Quality
Nonperforming Loans / Loans0.47%0.05%0.20%1.11%Beats 38%25 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio17.21%11.32%12.27%16.94%Beats 78%9 / 40
Total Risk-Based Capital Ratio17.63%11.32%13.09%17.63%Beats 75%10 / 40
Equity / Assets5.53%8.41%10.10%12.34%Beats 5%38 / 40
Liquidity & Funding
Loans / Deposits45.74%73.50%85.60%94.85%8th pctl37 / 40
Loans / Assets43.09%62.75%69.87%79.23%8th pctl37 / 40
Brokered Deposits / Depositsn/aNot reported for this institution