PackageTrendsPeer
Letter portraitLegal landscape

Seymour Bank, The

Seymour, MO · Cert 15701 · Cottonrudy Investment Co.

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 assets3

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 (n=581 to 629). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

48

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

Seymour Bank, The

Seymour, MO · Cert 15701 · Cottonrudy Investment Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$224.7MAssets
$143.6MLoans
$194.3MDeposits
$19.7MEquity
Loan mix
91%RE $121.9M4%C&I $4.9M5%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $136.6M30%Noninterest $57.7MQ3 2024Q2 2026

Market Position · Springfield, MO · 2026 SOD (annual) · 1.1% share · #20 of 41 inst. · $0.2B of $17.8B

Executive Summary

  • Earnings: ROA of 1.02%, up 32 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.46% of loans (+45 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.30%, up 51 bps from a year ago.
  • Funding: loans stand at 73.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+46 bps YoY

Efficiency Ratio (YTD, annualized)

68.53%-900 bps YoY

Tier 1 Leverage Ratio

11.30%+51 bps YoY

NIM

5.08%Q2 ’245.40%Q2 ’255.44%Q2 ’26+14%+14%

Non-interest income vs. expense

2.91%Q2 ’243.02%Q2 ’253.02%Q2 ’26+5%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.50%0.66%0.70%0.77%0.78%1.00%1.02%+32 bps
Return on Equity6.91%7.30%9.68%10.00%10.53%10.42%12.23%12.16%+217 bps
Net Interest Margin2.90%2.85%3.11%3.29%3.39%3.36%3.46%3.76%+46 bps
Efficiency Ratio82.11%81.54%79.42%77.53%75.72%75.29%68.45%68.53%-900 bps
Non-Interest Burden2.27%2.22%2.36%2.42%2.41%2.37%2.17%2.37%-5 bps
Growth
Asset Growth (YoY)6.44%7.98%3.32%2.16%-0.28%-0.14%0.85%0.67%-149 bps
Loan Growth (YoY)3.90%1.56%0.63%0.45%2.64%1.66%4.24%8.37%+792 bps
Deposit Growth (YoY)12.10%16.79%4.73%2.06%-3.65%-2.04%-0.46%6.10%+405 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.02%0.01%0.00%0.68%0.53%0.46%+45 bps
Net Charge-Offs / Loans0.07%0.05%0.05%0.00%0.08%0.06%0.04%0.07%+7 bps
Allowance / Loans1.31%1.26%1.22%1.23%1.16%1.14%1.12%1.12%-10 bps
Allowance Coverage of NPLs81.5x63.7x72.8x116.3xn/a1.7x2.1x2.4x-113.8x
Capital
Tier 1 Leverage Ratio10.72%10.53%10.34%10.79%10.99%11.01%10.69%11.30%+51 bps
Total Risk-Based Capital10.72%10.53%10.34%10.79%10.99%11.01%10.69%11.30%+51 bps
Equity / Assets7.62%6.49%7.08%7.49%8.22%8.15%8.25%8.77%+128 bps
Liquidity & Funding
Loans / Deposits70.12%64.54%70.45%72.40%74.70%66.98%73.78%73.95%+154 bps
Liquid Assets / Assets4.75%10.19%2.64%2.11%1.88%11.08%5.28%2.70%+59 bps
CRE / Total Capitaln/an/an/an/a105.57%101.47%111.94%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

Seymour Bank, The

Seymour, MO · Cert 15701 · Peer group: banks under $1B in assets (n=581-629) · Cottonrudy Investment Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$224.7MAssets
$143.6MLoans
$194.3MDeposits
$19.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 66% of banks under $1B in assets (rank 213 of 629).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets (rank 501 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.04%

Rank 302 of 629

Net Interest Margin

3.76%

Rank 249 of 629

Efficiency Ratio

68.53%

Rank 329 of 629

Equity / Assets

8.77%

Rank 501 of 629

Non-interest income vs. expense

$1.5M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 48% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.04%0.60%1.01%1.45%Beats 52%302 / 629n/a
Return on Equity11.90%5.38%9.30%13.28%Beats 66%213 / 629n/a
Net Interest Margin3.76%3.03%3.54%4.05%Beats 60%249 / 629n/a
Efficiency Ratio68.53%58.35%67.79%79.08%Beats 48%329 / 629n/a
Asset Quality
Nonperforming Loans / Loans0.46%0.09%0.46%1.20%Beats 50%292 / 581n/a
Net Charge-Offs / Loans0.06%n/a0.01%0.06%Beats 27%428 / 581n/a
Capital
Tier 1 Capital Ratio11.30%11.24%13.84%18.77%Beats 26%466 / 629n/a
Total Risk-Based Capital Ratio11.30%11.58%14.43%19.66%Beats 22%491 / 629n/a
Equity / Assets8.77%9.09%10.65%13.80%Beats 20%501 / 629n/a
Liquidity & Funding
Loans / Deposits73.95%67.24%80.90%93.48%37th pctl377 / 594n/a
Loans / Assets63.91%53.31%67.71%78.15%43rd pctl361 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution