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Peoples Bank of Moniteau County

Jamestown, MO · Cert 15792 · Jamestown Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$83.2MAssets
$50.4MLoans
$73.3MDeposits
$8.5MEquity
Loan mix
84%RE $34.7M8%C&I $3.2M9%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $55.9M24%Noninterest $17.4MQ2 2025Q2 2026

NIM

5.18%Q2 ’245.16%Q2 ’255.10%Q2 ’26-1%+10%

Non-interest income vs. expense

2.21%Q2 ’241.96%Q2 ’252.15%Q2 ’26-15%+17%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 1.0% share · #12 of 20 inst. · $0.1B of $7.7B

Executive Summary

  • Earnings: ROA of 1.34%, up 9 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.72% of loans (-16 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.12%, up 48 bps from a year ago.
  • Funding: loans stand at 68.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.34%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+30 bps YoY

Efficiency Ratio (quarter, annualized)

55.69%+152 bps YoY

Tier 1 Leverage Ratio

11.12%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.32%1.26%1.40%1.34%+9 bps
Return on Equity14.25%14.37%12.94%14.13%13.49%-76 bps
Net Interest Margin3.16%3.20%3.39%3.36%3.46%+30 bps
Efficiency Ratio54.17%53.62%57.52%52.10%55.69%+152 bps
Non-Interest Burden1.51%1.51%1.78%1.55%1.75%+25 bps
Growth
Asset Growth (YoY)11.73%12.97%7.06%5.66%2.13%-960 bps
Loan Growth (YoY)0.63%4.80%9.39%11.58%11.23%+1,060 bps
Deposit Growth (YoY)12.46%15.56%8.94%8.15%3.94%-852 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.85%0.80%0.76%0.72%-16 bps
Net Charge-Offs / Loans0.02%-0.02%-0.01%-0.01%0.04%+2 bps
Allowance / Loans1.47%1.44%1.40%1.40%1.36%-11 bps
Allowance Coverage of NPLs1.7x1.7x1.8x1.9x1.9x+0.2x
Capital
Tier 1 Leverage Ratio10.64%10.51%10.74%11.12%11.12%+48 bps
Total Risk-Based Capital10.64%10.51%10.74%11.12%11.12%+48 bps
Equity / Assets8.84%9.51%10.04%9.72%10.18%+134 bps
Liquidity & Funding
Loans / Deposits64.28%65.92%69.39%65.95%68.79%+450 bps
Liquid Assets / Assets12.46%10.18%6.40%11.44%6.34%-613 bps
CRE / Total Capitaln/a74.37%77.76%89.54%n/an/a