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Phelps County Bank

Rolla, MO · Cert 18841 · Phelps Cnty Bk Employee STK Ownership Plan

State charter, non-member · FDIC · 6 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 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

19

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

Phelps County Bank

Rolla, MO · Cert 18841 · Phelps Cnty Bk Employee STK Ownership Plan

State charter, non-member · FDIC · 6 branches

Q2 2026

$621.7MAssets
$470.2MLoans
$565.5MDeposits
$48.6MEquity
Loan mix
92%RE $408.9M6%C&I $27.5M2%Consumer $8.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $463.2M18%Noninterest $102.3MQ2 2025Q2 2026

NIM

4.70%Q2 ’245.11%Q2 ’255.32%Q2 ’26+6%0%

Non-interest income vs. expense

3.37%Q2 ’243.36%Q2 ’253.50%Q2 ’26+4%+6%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.1% share · #40 of 41 inst. · $0.0B of $17.8B

39.9% Phelps
0.2% Greene

Executive Summary

  • Earnings: ROA of 1.07%, down 19 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.16% of loans (+103 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.88%, down 16 bps from a year ago.
  • Funding: loans stand at 83.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-1 bps YoY

Efficiency Ratio (YTD, annualized)

70.95%+317 bps YoY

Tier 1 Leverage Ratio

8.88%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.26%1.21%1.10%1.07%-19 bps
Return on Equity16.70%16.37%15.78%13.89%13.63%-307 bps
Net Interest Margin4.08%4.10%3.95%4.12%4.06%-1 bps
Efficiency Ratio67.78%66.81%67.81%70.47%70.95%+317 bps
Non-Interest Burden2.48%2.44%2.40%2.64%2.63%+15 bps
Growth
Asset Growth (YoY)13.45%12.13%20.40%15.25%12.71%-74 bps
Loan Growth (YoY)13.76%12.46%11.74%9.18%10.87%-289 bps
Deposit Growth (YoY)15.46%15.78%21.48%21.84%14.56%-90 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.08%0.09%0.08%1.16%+103 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.02%0.01%-1 bps
Allowance / Loans0.95%0.94%0.94%0.97%0.95%0 bps
Allowance Coverage of NPLs7.5x12.4x10.4x12.0x0.8x-6.7x
Capital
Tier 1 Leverage Ratio9.05%9.29%9.23%9.25%8.88%-16 bps
Total Risk-Based Capital14.29%14.57%14.44%15.17%14.13%-16 bps
Equity / Assets7.40%8.02%7.70%8.07%7.81%+41 bps
Liquidity & Funding
Loans / Deposits85.92%86.50%80.03%80.31%83.15%-277 bps
Liquid Assets / Assets5.39%8.23%14.88%14.84%12.75%+736 bps
CRE / Total Capitaln/a269%285%284%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

Phelps County Bank

Rolla, MO · Cert 18841 · Peer group: banks under $1B in assets in MO (n=82-83) · Phelps Cnty Bk Employee STK Ownership Plan

State charter, non-member · FDIC · 6 branches

Q2 2026

$621.7MAssets
$470.2MLoans
$565.5MDeposits
$48.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in MO (rank 27 of 83).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in MO (rank 75 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.07%

Rank 56 of 83

Net Interest Margin

4.06%

Rank 27 of 83

Efficiency Ratio

70.95%

Rank 68 of 83

Equity / Assets

7.81%

Rank 75 of 83

Non-interest income vs. expense

$5.5M$21.9MINCOMEEXPENSE
Unfavorable gap of $16.5M · efficiency ratio beats 19% of banks under $1B in assets in MO
Bank 70.95%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.96%1.32%1.75%Beats 33%56 / 83
Return on Equity13.65%9.66%12.96%15.76%Beats 59%34 / 83
Net Interest Margin4.06%3.35%3.85%4.16%Beats 67%27 / 83
Efficiency Ratio70.95%49.83%58.83%68.51%Beats 19%68 / 83
Asset Quality
Nonperforming Loans / Loans1.16%0.08%0.51%1.01%Beats 24%63 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 52%40 / 82
Capital
Tier 1 Capital Ratio13.03%11.01%12.49%14.98%Beats 57%36 / 83
Total Risk-Based Capital Ratio14.13%11.13%13.01%15.10%Beats 61%32 / 83
Equity / Assets7.81%8.83%10.71%13.29%Beats 10%75 / 83
Liquidity & Funding
Loans / Deposits83.15%69.28%83.22%91.21%49th pctl42 / 82
Loans / Assets75.64%59.34%71.15%78.36%61st pctl32 / 83
Brokered Deposits / Depositsn/aNot reported for this institution