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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

$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

4.49%Q2 ’244.68%Q2 ’255.22%Q2 ’26+17%+24%

Non-interest income vs. expense

3.35%Q2 ’243.43%Q2 ’253.24%Q2 ’26-268%+181%

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 1.00%, down 355 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.53% of loans (+130 bps YoY), with net charge-offs at 1.67%.
  • 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 (quarter, annualized)

1.00%-355 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+64 bps YoY

Efficiency Ratio (quarter, annualized)

72.43%+3,289 bps YoY

Tier 1 Leverage Ratio

9.15%-144 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.55%0.94%0.55%0.99%1.00%-355 bps
Return on Equity43.03%8.53%4.85%8.61%8.56%-3,448 bps
Net Interest Margin2.71%2.91%3.02%3.17%3.35%+64 bps
Efficiency Ratio39.54%73.26%80.78%76.85%72.43%+3,289 bps
Non-Interest Burden-2.50%1.57%2.10%2.08%2.03%+453 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%0.03%-0.01%0.00%1.67%+169 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