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First Missouri Bank of Semo

Kennett, MO · Cert 19349

FDIC · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 operating regionally (n=106). 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

40

Q2 2024Q4 2025peer median (50)

Asset Quality

80

Q2 2024Q4 2025peer median (50)

Profitability

82

Q2 2024Q4 2025peer median (50)

Liquidity

20

Q2 2024Q4 2025peer median

Efficiency

68

Q2 2024Q4 2025peer 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

First Missouri Bank of Semo

Kennett, MO · Cert 19349

FDIC · 4 branches

Q4 2025

$210.9MAssets
$188.7MLoans
$190.3MDeposits
$19.3MEquity
Loan mix
84%RE $139.8M12%C&I $20.3M3%Consumer $5.4MQ1 2024Q4 2025
Deposit mix
72%Interest-bearing $136.2M28%Noninterest $54.1MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 1.43%, down 15 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.55%, down 117 bps from a year ago.
  • Funding: loans stand at 99.18% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

1.43%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-14 bps YoY

Efficiency Ratio (YTD, annualized)

60.36%+392 bps YoY

Tier 1 Leverage Ratio

8.55%-117 bps YoY

NIM

5.22%Q4 ’235.84%Q4 ’245.63%Q4 ’25-5%-3%

Non-interest income vs. expense

2.60%Q4 ’232.58%Q4 ’242.67%Q4 ’25+14511%+5%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.75%1.61%1.50%1.59%1.53%1.53%1.52%1.43%-15 bps
Return on Equity17.13%16.32%15.72%16.45%15.33%15.96%16.25%15.41%-104 bps
Net Interest Margin4.51%4.41%4.04%4.18%4.33%4.24%4.07%4.04%-14 bps
Efficiency Ratio54.18%56.37%57.56%56.44%58.58%58.40%58.41%60.36%+392 bps
Non-Interest Burden2.25%2.30%2.16%2.19%2.36%2.30%2.22%2.29%+10 bps
Growth
Asset Growth (YoY)-7.55%0.05%1.32%-7.33%3.60%6.59%2.10%4.78%+1,211 bps
Loan Growth (YoY)4.10%2.81%-0.15%5.47%9.60%8.17%5.87%6.23%+76 bps
Deposit Growth (YoY)-7.52%-1.34%-7.48%-9.91%3.08%7.45%13.70%9.45%+1,936 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.00%0.00%0.00%0.26%0.04%0.12%0.06%+6 bps
Net Charge-Offs / Loans-0.04%-0.06%-0.04%-0.02%0.01%0.10%0.00%0.00%+2 bps
Allowance / Loans2.11%1.99%1.88%1.93%1.89%1.73%1.73%1.88%-5 bps
Allowance Coverage of NPLs34.9x440.5x1173.0x489.1x7.2x45.0x13.9x30.1x-459.1x
Capital
Tier 1 Leverage Ratio9.24%9.29%9.07%9.73%10.12%9.26%8.76%8.55%-117 bps
Total Risk-Based Capital9.24%9.29%9.07%9.73%10.12%9.26%11.78%12.63%+291 bps
Equity / Assets9.56%9.05%8.78%10.05%9.88%8.90%8.68%9.15%-91 bps
Liquidity & Funding
Loans / Deposits93.70%100.11%105.71%102.19%99.63%100.78%98.43%99.18%-301 bps
Liquid Assets / Assets8.00%4.72%6.43%4.87%3.91%4.05%4.15%3.63%-124 bps
CRE / Total Capitaln/an/an/an/an/an/a193.84%199.74%n/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

First Missouri Bank of Semo

Kennett, MO · Cert 19349 · Peer group: banks under $1B in assets operating regionally (n=106)

FDIC · 4 branches

Q4 2025

$210.9MAssets
$188.7MLoans
$190.3MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks under $1B in assets operating regionally (rank 9 of 106).
  • Widest gap: equity / assets trails 68% of banks under $1B in assets operating regionally (rank 72 of 106).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.43%

Rank 22 of 106

Net Interest Margin

4.04%

Rank 25 of 106

Efficiency Ratio

60.36%

Rank 35 of 106

Equity / Assets

9.15%

Rank 72 of 106

Non-interest income vs. expense

$0.8M$6.0MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 68% of banks under $1B in assets operating regionally
Bank 60.36%Peer median 65.3%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.43%0.71%1.01%1.40%Beats 79%22 / 106
Return on Equity15.64%7.31%10.18%13.41%Beats 92%9 / 106
Net Interest Margin4.04%3.22%3.53%4.00%Beats 76%25 / 106
Efficiency Ratio60.36%58.33%65.28%74.52%Beats 68%35 / 106
Asset Quality
Nonperforming Loans / Loans0.06%0.11%0.47%0.99%Beats 80%22 / 106
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.37%10.36%12.07%14.20%Beats 40%64 / 106
Total Risk-Based Capital Ratio12.63%10.46%12.64%14.92%Beats 49%54 / 106
Equity / Assets9.15%8.59%9.91%11.11%Beats 32%72 / 106
Liquidity & Funding
Loans / Deposits99.18%75.63%83.18%90.11%85th pctl16 / 106
Loans / Assets89.48%64.50%70.72%79.18%99th pctl1 / 106
Brokered Deposits / Deposits1.58%n/a0.00%3.93%Beats 37%68 / 106