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Flat Branch Bank

Richmond, MO · Cert 15751 · State Holding Inc.

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 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

2

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

Flat Branch Bank

Richmond, MO · Cert 15751 · State Holding Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$92.8MAssets
$58.2MLoans
$79.2MDeposits
$13.4MEquity
Loan mix
85%RE $46.0M14%C&I $7.6M2%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $65.8M17%Noninterest $13.4MQ2 2025Q2 2026

NIM

3.75%Q2 ’245.41%Q2 ’256.25%Q2 ’26+7%+27%

Non-interest income vs. expense

2.81%Q2 ’243.70%Q2 ’255.68%Q2 ’26+41%+58%

Market Position · Columbia, MO · 2026 SOD (annual) · 0.6% share · #22 of 29 inst. · $0.0B of $6.7B

0.7% Boone
11.4% Ray

Executive Summary

  • Earnings: ROA of -0.96%, down 74 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 0.00% of loans (-26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.58%, up 428 bps from a year ago.
  • Funding: loans stand at 73.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.96%-74 bps YoY

Net Interest Margin (YTD, annualized)

4.63%+99 bps YoY

Efficiency Ratio (YTD, annualized)

115.56%+2,263 bps YoY

Tier 1 Leverage Ratio

12.58%+428 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.13%0.01%1-2.53%-0.96%-74 bps
Return on Equity-2.07%-1.18%0.11%-17.62%-6.65%-457 bps
Net Interest Margin3.64%3.66%3.83%4.64%4.63%+99 bps
Efficiency Ratio92.93%92.01%89.92%155.35%115.56%+2,263 bps
Non-Interest Burden3.45%3.44%3.51%7.34%5.44%+199 bps
Growth
Asset Growth (YoY)48.42%21.09%12.16%5.13%-1.37%-4,978 bps
Loan Growth (YoY)168.95%105.03%87.41%77.69%56.25%-11,271 bps
Deposit Growth (YoY)50.16%20.29%7.89%2.41%-5.68%-5,584 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.34%0.18%0.00%0.00%-26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%1.11%1.25%1.27%+27 bps
Allowance Coverage of NPLs3.9x3.0x6.1xn/an/an/a
Capital
Tier 1 Leverage Ratio8.30%8.10%12.95%11.97%12.58%+428 bps
Total Risk-Based Capital24.41%17.46%12.95%11.97%12.58%-1,184 bps
Equity / Assets10.15%10.32%14.53%14.22%14.47%+432 bps
Liquidity & Funding
Loans / Deposits44.37%48.85%59.41%68.76%73.50%+2,913 bps
Liquid Assets / Assets31.62%29.07%38.84%29.37%26.65%-497 bps
CRE / Total Capitaln/a106.76%80.70%109.35%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Flat Branch Bank

Richmond, MO · Cert 15751 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · State Holding Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$92.8MAssets
$58.2MLoans
$79.2MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 40 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.97%

Rank 40 of 40

Net Interest Margin

4.63%

Rank 10 of 40

Efficiency Ratio

119.11%

Rank 40 of 40

Equity / Assets

14.47%

Rank 6 of 40

Non-interest income vs. expense

$0.2M$5.3MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 2% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 119.11%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.97%1.02%1.39%1.86%Beats 0%40 / 40
Return on Equity-6.70%10.74%14.78%21.32%Beats 0%40 / 40
Net Interest Margin4.63%3.33%4.05%4.63%Beats 75%10 / 40
Efficiency Ratio119.11%51.70%58.10%69.29%Beats 2%40 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio12.58%11.32%12.27%16.94%Beats 57%17 / 40
Total Risk-Based Capital Ratio12.58%11.32%13.09%17.63%Beats 43%23 / 40
Equity / Assets14.47%8.41%10.10%12.34%Beats 85%6 / 40
Liquidity & Funding
Loans / Deposits73.50%73.50%85.60%94.85%25th pctl30 / 40
Loans / Assets62.75%62.75%69.87%79.23%25th pctl30 / 40
Brokered Deposits / Depositsn/aNot reported for this institution