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Letter portraitLegal landscapeQuarterYTD

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 $0.1BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $2.9B18%Noninterest $0.6BQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.55%2.02%1.65%0.99%1.02%-153 bps
Return on Equity24.55%19.00%15.33%8.61%8.81%-1,574 bps
Net Interest Margin2.57%2.67%2.75%3.17%3.12%+54 bps
Efficiency Ratio53.67%59.23%63.83%76.85%74.52%+2,085 bps
Non-Interest Burden-0.37%0.28%0.74%2.08%1.96%+233 bps
Growth
Asset Growth (YoY)1.72%0.70%-1.46%41.33%36.05%+3,433 bps
Loan Growth (YoY)3.74%3.95%3.61%50.71%48.05%+4,430 bps
Deposit Growth (YoY)-0.07%-0.52%-3.02%42.88%41.81%+4,188 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.32%0.35%0.25%1.53%+130 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%0.00%0.84%+85 bps
Allowance / Loans0.98%0.95%0.97%1.07%1.51%+53 bps
Allowance Coverage of NPLs4.4x3.0x2.7x4.3x1.0x-3.4x
Capital
Tier 1 Leverage Ratio10.59%10.65%10.58%10.53%9.15%-144 bps
Total Risk-Based Capital13.83%14.22%14.35%11.49%11.23%-260 bps
Equity / Assets10.85%11.31%11.43%11.59%11.73%+89 bps
Liquidity & Funding
Loans / Deposits85.07%86.79%86.20%87.52%88.81%+374 bps
Liquid Assets / Assets11.15%11.05%10.81%8.38%7.43%-373 bps
CRE / Total Capitaln/a276%278%275%n/an/a