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Carroll County Trust Company of Carrollton, Missouri

Carrollton, MO · Cert 1611 · Carroll County Bancshares Inc.

State charter, non-member · FDIC · 4 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 MO3

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 MO (n=82 to 83). 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

1

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Carroll County Trust Company of Carrollton, Missouri

Carrollton, MO · Cert 1611 · Carroll County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$207.6MAssets
$93.6MLoans
$173.4MDeposits
$13.4MEquity
Loan mix
87%RE $62.7M10%C&I $7.5M3%Consumer $2.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $139.9M19%Noninterest $33.5MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #112 of 114 inst. · $0.0B of $99.1B

35.1% Carroll
0.0% Lafayette

Executive Summary

  • Earnings: ROA of 0.23%, down 12 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.61% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.05%, down 36 bps from a year ago.
  • Funding: loans stand at 53.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.23%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.35%+5 bps YoY

Efficiency Ratio (YTD, annualized)

88.31%+447 bps YoY

Tier 1 Leverage Ratio

9.05%-36 bps YoY

NIM

4.21%Q2 ’244.44%Q2 ’254.39%Q2 ’26+14%+2%

Non-interest income vs. expense

2.07%Q2 ’242.18%Q2 ’252.35%Q2 ’26+5%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.20%0.41%0.35%0.24%0.25%0.28%0.23%-12 bps
Return on Equity5.39%4.28%7.78%6.25%4.07%4.24%4.26%3.49%-276 bps
Net Interest Margin2.03%2.03%2.21%2.29%2.21%2.27%2.38%2.35%+5 bps
Efficiency Ratio89.92%93.36%79.83%83.84%85.91%88.51%85.71%88.31%+447 bps
Non-Interest Burden1.79%1.87%1.71%1.87%1.85%1.97%2.00%2.03%+16 bps
Growth
Asset Growth (YoY)0.82%0.89%1.62%2.32%0.27%-2.25%-1.48%0.46%-187 bps
Loan Growth (YoY)5.38%9.21%9.36%19.19%21.43%17.52%21.43%9.45%-975 bps
Deposit Growth (YoY)7.00%7.75%3.72%1.35%-4.81%-3.73%-2.78%-0.85%-220 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.35%0.47%0.25%0.67%0.40%0.67%0.61%+36 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.12%1.04%1.10%0.97%1.06%0.92%0.96%0.93%-4 bps
Allowance Coverage of NPLs2.8x3.0x2.3x3.8x1.6x2.3x1.4x1.5x-2.3x
Capital
Tier 1 Leverage Ratio9.35%9.28%9.00%9.41%9.27%9.32%8.90%9.05%-36 bps
Total Risk-Based Capital9.35%9.28%9.00%9.41%9.27%9.32%8.90%9.05%-36 bps
Equity / Assets5.49%5.07%5.59%6.01%6.43%6.58%6.45%6.46%+46 bps
Liquidity & Funding
Loans / Deposits40.80%42.89%40.34%48.90%52.05%52.36%50.38%53.97%+508 bps
Liquid Assets / Assets27.66%29.42%28.86%26.12%25.59%28.52%27.83%25.64%-48 bps
CRE / Total Capitaln/an/an/an/a54.45%60.67%63.79%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

Carroll County Trust Company of Carrollton, Missouri

Carrollton, MO · Cert 1611 · Peer group: banks under $1B in assets in MO (n=82-83) · Carroll County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$207.6MAssets
$93.6MLoans
$173.4MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 83% of banks under $1B in assets in MO (rank 16 of 82).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in MO (rank 82 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.23%

Rank 80 of 83

Net Interest Margin

2.35%

Rank 82 of 83

Efficiency Ratio

88.31%

Rank 81 of 83

Equity / Assets

6.46%

Rank 81 of 83

Non-interest income vs. expense

$0.7M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 4% of banks under $1B in assets in MO
Bank 88.31%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.23%0.96%1.32%1.75%Beats 4%80 / 83
Return on Equity3.50%9.66%12.96%15.76%Beats 5%79 / 83
Net Interest Margin2.35%3.35%3.85%4.16%Beats 1%82 / 83
Efficiency Ratio88.31%49.83%58.83%68.51%Beats 4%81 / 83
Asset Quality
Nonperforming Loans / Loans0.61%0.08%0.51%1.01%Beats 45%46 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 83%16 / 82
Capital
Tier 1 Capital Ratio9.05%11.01%12.49%14.98%Beats 1%82 / 83
Total Risk-Based Capital Ratio9.05%11.13%13.01%15.10%Beats 1%82 / 83
Equity / Assets6.46%8.83%10.71%13.29%Beats 2%81 / 83
Liquidity & Funding
Loans / Deposits53.97%69.28%83.22%91.21%7th pctl76 / 82
Loans / Assets45.10%59.34%71.15%78.36%7th pctl77 / 83
Brokered Deposits / Depositsn/aNot reported for this institution