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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 1.32%, down 2 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.47% of loans (-81 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.32%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.34%-34 bps YoY

Efficiency Ratio (quarter, annualized)

55.08%-311 bps YoY

Tier 1 Leverage Ratio

9.29%-52 bps YoY

NIM

4.89%Q2 ’245.20%Q2 ’254.79%Q2 ’26+9%-9%

Non-interest income vs. expense

1.97%Q2 ’242.36%Q2 ’251.97%Q2 ’26+30%-13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.35%1.25%1.34%1.14%1.02%1.09%1.32%-2 bps
Return on Equity19.30%33.02%35.74%33.98%24.26%18.60%20.25%25.02%-896 bps
Net Interest Margin3.37%3.65%3.63%3.69%3.56%3.70%3.57%3.34%-34 bps
Efficiency Ratio65.12%57.31%60.83%58.19%63.31%66.49%61.15%55.08%-311 bps
Non-Interest Burden2.06%1.95%2.03%1.99%2.15%2.37%2.08%1.73%-26 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 / Loans0.00%0.05%0.00%0.00%-0.01%0.41%-0.12%-0.01%-1 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