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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 -3.63%, down 624 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 1.38% of loans (+18 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

-3.63%-624 bps YoY

Net Interest Margin (quarter, annualized)

2.52%-2 bps YoY

Efficiency Ratio (quarter, annualized)

106.47%+1,270 bps YoY

Tier 1 Leverage Ratio

11.06%-554 bps YoY

NIM

4.89%Q2 ’244.74%Q2 ’254.78%Q2 ’26-5%-1%

Non-interest income vs. expense

42.92%Q2 ’2446.56%Q2 ’2561.12%Q2 ’26+67%+1219%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.12%4.36%1.27%2.61%-0.64%-6.51%-4.06%-3.63%-624 bps
Return on Equity34.54%28.86%8.09%17.51%-4.55%-49.87%-35.49%-35.02%-5,253 bps
Net Interest Margin2.61%2.78%3.14%2.54%2.86%2.61%2.25%2.52%-2 bps
Efficiency Ratio86.41%86.74%97.14%93.76%102.06%115.59%108.52%106.47%+1,270 bps
Non-Interest Burden-4.05%-3.35%1.65%-0.56%3.85%8.99%6.66%6.23%+679 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%0.06%-0.04%0.06%0.00%0.00%0.03%0.00%-6 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