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Neighbors Bank

Clarence, MO · Cert 16247 · Columbia Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

1

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

Neighbors Bank

Clarence, MO · Cert 16247 · Columbia Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$115.6MAssets
$89.8MLoans
$82.1MDeposits
$11.4MEquity
Loan mix
99%RE $81.1M0%C&I $0.3M0%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $71.7M13%Noninterest $10.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -3.84%, down 577 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 1.38% of loans (+18 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.06%, down 554 bps from a year ago.
  • Funding: loans stand at 109.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-3.84%-577 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-18 bps YoY

Efficiency Ratio (YTD, annualized)

107.44%+1,211 bps YoY

Tier 1 Leverage Ratio

11.06%-554 bps YoY

NIM

4.60%Q2 ’244.58%Q2 ’254.71%Q2 ’26+4%-7%

Non-interest income vs. expense

41.18%Q2 ’2444.10%Q2 ’2558.54%Q2 ’26-25%+1507%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.72%3.19%1.27%1.93%1.07%-0.77%-4.06%-3.84%-577 bps
Return on Equity18.32%21.41%8.09%12.88%7.23%-5.41%-35.49%-35.21%-4,810 bps
Net Interest Margin2.38%2.32%3.14%2.56%2.57%2.43%2.25%2.38%-18 bps
Efficiency Ratio92.04%90.54%97.14%95.33%97.73%102.11%108.52%107.44%+1,211 bps
Non-Interest Burden-1.03%-1.54%1.65%0.40%1.54%3.31%6.66%6.43%+603 bps
Growth
Asset Growth (YoY)28.94%33.59%31.19%43.13%26.65%23.70%28.37%4.52%-3,860 bps
Loan Growth (YoY)48.26%78.36%35.42%37.28%9.63%6.24%35.23%7.95%-2,933 bps
Deposit Growth (YoY)-0.53%-0.47%26.94%38.76%59.63%69.72%26.97%10.05%-2,871 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.71%1.07%1.20%1.43%1.61%1.32%1.38%+18 bps
Net Charge-Offs / Loans0.00%0.02%-0.04%0.01%0.01%0.01%0.03%0.01%0 bps
Allowance / Loans0.37%0.33%0.41%0.33%0.40%0.37%0.28%0.30%-4 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.3x0.3x0.2x0.2x0.2x-0.1x
Capital
Tier 1 Leverage Ratio17.57%17.38%19.18%16.60%15.52%12.76%12.06%11.06%-554 bps
Total Risk-Based Capital17.57%17.38%19.18%16.60%15.52%12.76%12.06%11.06%-554 bps
Equity / Assets15.10%15.13%16.23%13.87%14.13%12.02%10.88%9.83%-404 bps
Liquidity & Funding
Loans / Deposits113.90%135.44%96.03%111.49%78.22%84.78%102.28%109.36%-213 bps
Liquid Assets / Assets10.10%1.44%7.56%7.49%16.09%8.65%4.44%5.15%-234 bps
CRE / Total Capitaln/an/an/an/a1.86%1.69%1.78%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

Neighbors Bank

Clarence, MO · Cert 16247 · Peer group: banks under $1B in assets in MO (n=82-83) · Columbia Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$115.6MAssets
$89.8MLoans
$82.1MDeposits
$11.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 63% of banks under $1B in assets in MO (rank 31 of 82).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in MO (rank 83 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-3.79%

Rank 83 of 83

Net Interest Margin

2.38%

Rank 81 of 83

Efficiency Ratio

107.44%

Rank 83 of 83

Equity / Assets

9.83%

Rank 49 of 83

Non-interest income vs. expense

$57.4M$64.5MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 1% of banks under $1B in assets in MO
Bank 107.44%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-3.79%0.96%1.32%1.75%Beats 0%83 / 83
Return on Equity-38.52%9.66%12.96%15.76%Beats 0%83 / 83
Net Interest Margin2.38%3.35%3.85%4.16%Beats 2%81 / 83
Efficiency Ratio107.44%49.83%58.83%68.51%Beats 1%83 / 83
Asset Quality
Nonperforming Loans / Loans1.38%0.08%0.51%1.01%Beats 18%68 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 63%31 / 82
Capital
Tier 1 Capital Ratio11.06%11.01%12.49%14.98%Beats 28%60 / 83
Total Risk-Based Capital Ratio11.06%11.13%13.01%15.10%Beats 23%64 / 83
Equity / Assets9.83%8.83%10.71%13.29%Beats 41%49 / 83
Liquidity & Funding
Loans / Deposits109.36%69.28%83.22%91.21%96th pctl3 / 82
Loans / Assets77.67%59.34%71.15%78.36%70th pctl25 / 83
Brokered Deposits / Depositsn/aNot reported for this institution