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Bank of Missouri, The

Perryville, MO · Cert 1617 · Reliable Cmty Bancshares Inc.

State charter, non-member · FDIC · 32 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

14

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

Bank of Missouri, The

Perryville, MO · Cert 1617 · Reliable Cmty Bancshares Inc.

State charter, non-member · FDIC · 32 branches

Q2 2026

$4.2BAssets
$3.2BLoans
$3.6BDeposits
$495.7MEquity
Loan mix
64%RE $1.9B34%C&I $1.0B3%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $2.9B18%Noninterest $0.6BQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.7% share · #22 of 111 inst. · $1.1B of $141.7B

2.2% St. Louis
58.4% Perry
14.1% Cape Girardeau
3.7% Boone

Executive Summary

  • Earnings: ROA of 1.02%, down 153 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 1.53% of loans (+130 bps YoY), with net charge-offs at 0.84%.
  • Capital: tier 1 leverage ratio of 9.15%, down 144 bps from a year ago.
  • Funding: loans stand at 88.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%-153 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+54 bps YoY

Efficiency Ratio (YTD, annualized)

74.52%+2,085 bps YoY

Tier 1 Leverage Ratio

9.15%-144 bps YoY

NIM

4.42%Q2 ’244.61%Q2 ’254.87%Q2 ’26+12%+21%

Non-interest income vs. expense

3.40%Q2 ’243.42%Q2 ’253.16%Q2 ’26-123%+638%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.59%0.57%2.55%2.02%1.65%0.99%1.02%-153 bps
Return on Equity5.34%5.60%5.60%24.55%19.00%15.33%8.61%8.81%-1,574 bps
Net Interest Margin2.24%2.27%2.42%2.57%2.67%2.75%3.17%3.12%+54 bps
Efficiency Ratio84.30%83.58%83.66%53.67%59.23%63.83%76.85%74.52%+2,085 bps
Non-Interest Burden1.62%1.61%1.76%-0.37%0.28%0.74%2.08%1.96%+233 bps
Growth
Asset Growth (YoY)4.79%5.48%1.15%1.72%0.70%-1.46%41.33%36.05%+3,433 bps
Loan Growth (YoY)5.08%4.60%3.66%3.74%3.95%3.61%50.71%48.05%+4,430 bps
Deposit Growth (YoY)10.64%8.35%4.07%-0.07%-0.52%-3.02%42.88%41.81%+4,188 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.22%0.21%0.22%0.32%0.35%0.25%1.53%+130 bps
Net Charge-Offs / Loans0.01%0.01%-0.02%-0.02%0.00%0.00%0.00%0.84%+85 bps
Allowance / Loans0.97%0.98%0.99%0.98%0.95%0.97%1.07%1.51%+53 bps
Allowance Coverage of NPLs4.3x4.5x4.7x4.4x3.0x2.7x4.3x1.0x-3.4x
Capital
Tier 1 Leverage Ratio9.53%9.52%9.58%10.59%10.65%10.58%10.53%9.15%-144 bps
Total Risk-Based Capital13.41%13.33%13.19%13.83%14.22%14.35%11.49%11.23%-260 bps
Equity / Assets10.24%10.02%10.29%10.85%11.31%11.43%11.59%11.73%+89 bps
Liquidity & Funding
Loans / Deposits83.06%80.69%82.98%85.07%86.79%86.20%87.52%88.81%+374 bps
Liquid Assets / Assets13.12%14.78%12.31%11.15%11.05%10.81%8.38%7.43%-373 bps
CRE / Total Capitaln/an/an/an/a276%278%275%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

Bank of Missouri, The

Perryville, MO · Cert 1617 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Reliable Cmty Bancshares Inc.

State charter, non-member · FDIC · 32 branches

Q2 2026

$4.2BAssets
$3.2BLoans
$3.6BDeposits
$495.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 76% of banks $1B-$10B in assets operating in a single state (rank 63 of 258).
  • Widest gap: net charge-offs / loans trails 96% of banks $1B-$10B in assets operating in a single state (rank 248 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.93%

Rank 195 of 258

Net Interest Margin

3.12%

Rank 197 of 258

Efficiency Ratio

75.02%

Rank 222 of 257

Equity / Assets

11.73%

Rank 63 of 258

Non-interest income vs. expense

$50.4M$133.4MINCOMEEXPENSE
Unfavorable gap of $83.0M · efficiency ratio beats 14% of banks $1B-$10B in assets operating in a single state
Bank 75.02%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.93%0.93%1.23%1.54%Beats 24%195 / 258
Return on Equity7.90%9.26%11.84%14.74%Beats 17%214 / 258
Net Interest Margin3.12%3.16%3.49%3.88%Beats 24%197 / 258
Efficiency Ratio75.02%51.71%60.30%69.65%Beats 14%222 / 257
Asset Quality
Nonperforming Loans / Loans1.53%0.19%0.46%0.90%Beats 13%225 / 258
Net Charge-Offs / Loans0.42%0.01%0.02%0.07%Beats 4%248 / 258
Capital
Tier 1 Capital Ratio10.30%11.41%12.98%15.12%Beats 12%227 / 258
Total Risk-Based Capital Ratio11.23%12.10%13.91%16.08%Beats 17%214 / 258
Equity / Assets11.73%9.09%10.24%11.72%Beats 76%63 / 258
Liquidity & Funding
Loans / Deposits88.81%73.24%86.34%95.95%58th pctl108 / 258
Loans / Assets75.32%63.01%72.27%78.40%61st pctl101 / 258
Brokered Deposits / Depositsn/aNot reported for this institution