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Bank of Old Monroe, The

Old Monroe, MO · Cert 1655 · Cuivre River Bancshares Inc.

State charter, non-member · FDIC · 5 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

87

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

Bank of Old Monroe, The

Old Monroe, MO · Cert 1655 · Cuivre River Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$994.6MAssets
$669.2MLoans
$916.6MDeposits
$70.4MEquity
Loan mix
85%RE $548.1M14%C&I $92.6M0%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $707.3M23%Noninterest $209.3MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.39%Q2 ’255.30%Q2 ’26+8%-2%

Non-interest income vs. expense

1.49%Q2 ’241.58%Q2 ’251.75%Q2 ’26+8%+12%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #26 of 111 inst. · $0.9B of $141.7B

41.0% Lincoln
2.2% St. Charles

Executive Summary

  • Earnings: ROA of 1.27%, down 45 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.55%, down 24 bps from a year ago.
  • Funding: loans stand at 73.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-6 bps YoY

Efficiency Ratio (YTD, annualized)

46.64%+488 bps YoY

Tier 1 Leverage Ratio

10.55%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.70%1.67%1.39%1.27%-45 bps
Return on Equity31.18%29.56%27.53%20.28%18.41%-1,277 bps
Net Interest Margin3.39%3.36%3.38%3.38%3.33%-6 bps
Efficiency Ratio41.76%41.24%43.05%50.27%46.64%+488 bps
Non-Interest Burden1.19%1.15%1.23%1.51%1.33%+14 bps
Growth
Asset Growth (YoY)10.61%12.44%8.05%7.35%11.19%+58 bps
Loan Growth (YoY)16.42%20.54%17.61%22.62%21.09%+468 bps
Deposit Growth (YoY)11.42%10.88%3.08%6.65%9.71%-171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.05%0.08%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.04%0.01%-0.04%-5 bps
Allowance / Loans1.41%1.44%1.44%1.46%1.74%+32 bps
Allowance Coverage of NPLs1303.2x2171.5x29.0x17.8x611.6x-691.5x
Capital
Tier 1 Leverage Ratio10.79%10.64%10.79%10.68%10.55%-24 bps
Total Risk-Based Capital10.79%10.64%10.79%10.68%10.55%-24 bps
Equity / Assets5.65%6.37%7.25%6.45%7.08%+143 bps
Liquidity & Funding
Loans / Deposits66.14%70.39%75.28%70.74%73.00%+687 bps
Liquid Assets / Assets3.43%3.84%1.23%2.87%1.17%-226 bps
CRE / Total Capitaln/a304%314%341%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

Bank of Old Monroe, The

Old Monroe, MO · Cert 1655 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Cuivre River Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$994.6MAssets
$669.2MLoans
$916.6MDeposits
$70.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 3 of 38).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the St. Louis, MO-IL area (rank 37 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 10 of 40

Net Interest Margin

3.33%

Rank 17 of 40

Efficiency Ratio

46.64%

Rank 6 of 40

Equity / Assets

7.08%

Rank 37 of 40

Non-interest income vs. expense

$4.3M$18.1MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 46.64%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.64%1.04%1.26%Beats 75%10 / 40
Return on Equity17.74%6.25%9.97%13.41%Beats 90%4 / 40
Net Interest Margin3.33%3.09%3.22%3.62%Beats 57%17 / 40
Efficiency Ratio46.64%57.08%64.37%75.86%Beats 87%6 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.62%1.92%Beats 95%3 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 61%16 / 38
Capital
Tier 1 Capital Ratio10.55%10.29%12.88%15.77%Beats 30%28 / 40
Total Risk-Based Capital Ratio10.55%10.64%13.30%17.01%Beats 23%31 / 40
Equity / Assets7.08%8.59%9.46%12.46%Beats 8%37 / 40
Liquidity & Funding
Loans / Deposits73.00%66.12%79.48%94.60%35th pctl26 / 40
Loans / Assets67.28%54.69%68.52%77.46%43rd pctl23 / 40
Brokered Deposits / Depositsn/aNot reported for this institution