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Constitution Bank, National Association

Hillsboro, IL · Cert 16276 · Country Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

82

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

Constitution Bank, National Association

Hillsboro, IL · Cert 16276 · Country Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$683.1MAssets
$491.6MLoans
$618.6MDeposits
$62.1MEquity
Loan mix
91%RE $414.3M8%C&I $35.4M1%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $530.9M14%Noninterest $87.7MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.67%Q2 ’254.95%Q2 ’26+35%+13%

Non-interest income vs. expense

1.92%Q2 ’241.87%Q2 ’251.99%Q2 ’26-2%+10%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #51 of 111 inst. · $0.4B of $141.7B

17.5% Montgomery
2.1% Madison
8.8% Macoupin
4.7% Clinton

Executive Summary

  • Earnings: ROA of 1.13%, up 16 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.62% of loans (+41 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.17%, up 68 bps from a year ago.
  • Funding: loans stand at 79.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+39 bps YoY

Efficiency Ratio (YTD, annualized)

53.57%-218 bps YoY

Tier 1 Leverage Ratio

10.17%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.03%1.07%1.21%1.13%+16 bps
Return on Equity12.62%13.10%13.21%13.65%12.69%+7 bps
Net Interest Margin3.00%2.99%3.07%3.39%3.39%+39 bps
Efficiency Ratio55.75%55.94%57.04%53.02%53.57%-218 bps
Non-Interest Burden1.51%1.51%1.60%1.65%1.66%+15 bps
Growth
Asset Growth (YoY)9.03%6.41%6.27%5.06%4.65%-439 bps
Loan Growth (YoY)20.83%15.27%8.17%5.06%4.86%-1,598 bps
Deposit Growth (YoY)8.21%5.67%4.62%3.75%3.40%-481 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.21%0.18%0.50%0.62%+41 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans1.23%1.24%1.26%1.26%1.32%+8 bps
Allowance Coverage of NPLs6.1x5.9x6.9x2.5x2.1x-3.9x
Capital
Tier 1 Leverage Ratio9.49%9.49%9.82%10.09%10.17%+68 bps
Total Risk-Based Capital9.49%9.49%9.82%10.09%10.17%+68 bps
Equity / Assets8.04%8.27%8.91%8.81%9.10%+105 bps
Liquidity & Funding
Loans / Deposits78.38%75.81%78.65%77.35%79.48%+110 bps
Liquid Assets / Assets1.17%3.37%1.11%3.03%1.32%+15 bps
CRE / Total Capitaln/a487%470%458%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

Constitution Bank, National Association

Hillsboro, IL · Cert 16276 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Country Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$683.1MAssets
$491.6MLoans
$618.6MDeposits
$62.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 8 of 40).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in the St. Louis, MO-IL area (rank 33 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.12%

Rank 14 of 40

Net Interest Margin

3.39%

Rank 15 of 40

Efficiency Ratio

53.57%

Rank 8 of 40

Equity / Assets

9.10%

Rank 25 of 40

Non-interest income vs. expense

$2.3M$13.8MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 82% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 53.57%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.64%1.04%1.26%Beats 65%14 / 40
Return on Equity12.31%6.25%9.97%13.41%Beats 73%11 / 40
Net Interest Margin3.39%3.09%3.22%3.62%Beats 63%15 / 40
Efficiency Ratio53.57%57.08%64.37%75.86%Beats 82%8 / 40
Asset Quality
Nonperforming Loans / Loans0.62%0.14%0.62%1.92%Beats 50%20 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 71%12 / 38
Capital
Tier 1 Capital Ratio10.17%10.29%12.88%15.77%Beats 23%31 / 40
Total Risk-Based Capital Ratio10.17%10.64%13.30%17.01%Beats 18%33 / 40
Equity / Assets9.10%8.59%9.46%12.46%Beats 38%25 / 40
Liquidity & Funding
Loans / Deposits79.48%66.12%79.48%94.60%50th pctl20 / 40
Loans / Assets71.97%54.69%68.52%77.46%63rd pctl15 / 40
Brokered Deposits / Depositsn/aNot reported for this institution