PackageTrendsPeer
Letter portraitLegal landscape

Tipton Latham Bank, National Association, The

Tipton, MO · Cert 1941

National charter · 2 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 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 (n=557 to 606). 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

25

Q2 2024Q1 2026peer median (50)

Asset Quality

13

Q2 2024Q1 2026peer median (50)

Profitability

32

Q2 2024Q1 2026peer median (50)

Liquidity

72

Q2 2024Q1 2026peer median

Efficiency

92

Q2 2024Q1 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

Tipton Latham Bank, National Association, The

Tipton, MO · Cert 1941

National charter · 2 branches

Q1 2026

$193.2MAssets
$142.2MLoans
$167.7MDeposits
$18.3MEquity
Loan mix
84%RE $103.7M13%C&I $15.5M4%Consumer $4.5MQ1 2025Q1 2026
Deposit mix
80%Interest-bearing $133.5M20%Noninterest $34.1MQ1 2025Q1 2026

NIM

5.18%Q1 ’245.30%Q1 ’255.49%Q1 ’26+2%+16%

Non-interest income vs. expense

1.60%Q1 ’241.47%Q1 ’251.58%Q1 ’26-10%+5%

Market Position · Jefferson City, MO · 2025 SOD (annual) · 2.5% share · #8 of 20 inst. · $0.2B of $6.5B

Executive Summary

  • Earnings: ROA of 0.73%, down 39 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 1.20% of loans (+10 bps YoY), with net charge-offs at 1.21%.
  • Capital: tier 1 leverage ratio of 10.79%, down 30 bps from a year ago.
  • Funding: loans stand at 84.81% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+42 bps YoY

Efficiency Ratio (YTD, annualized)

47.25%-389 bps YoY

Tier 1 Leverage Ratio

10.79%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.18%1.24%0.98%0.73%-39 bps
Return on Equity12.48%13.11%13.52%10.61%7.63%-484 bps
Net Interest Margin2.67%2.78%2.82%2.89%3.09%+42 bps
Efficiency Ratio51.14%49.25%47.94%57.62%47.25%-389 bps
Non-Interest Burden1.27%1.27%1.25%1.59%1.33%+6 bps
Growth
Asset Growth (YoY)8.70%10.09%8.02%8.51%5.64%-306 bps
Loan Growth (YoY)9.62%9.04%10.02%8.76%10.23%+61 bps
Deposit Growth (YoY)6.57%8.30%6.11%5.99%5.32%-125 bps
Asset Quality
Nonperforming Loans / Loans1.10%0.20%0.40%0.50%1.20%+10 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.07%1.21%+121 bps
Allowance / Loans1.33%1.38%1.33%1.29%1.25%-8 bps
Allowance Coverage of NPLs1.2x6.9x3.3x2.6x1.0x-0.2x
Capital
Tier 1 Leverage Ratio11.09%10.98%11.02%10.80%10.79%-30 bps
Total Risk-Based Capital11.09%10.98%11.02%10.80%10.79%-30 bps
Equity / Assets9.00%9.04%9.65%9.61%9.48%+48 bps
Liquidity & Funding
Loans / Deposits81.03%78.13%81.07%85.40%84.81%+378 bps
Liquid Assets / Assets7.60%9.64%6.81%3.64%4.91%-269 bps
CRE / Total Capitaln/an/a69.88%82.77%87.52%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

Tipton Latham Bank, National Association, The

Tipton, MO · Cert 1941 · Peer group: banks under $1B in assets (n=557-606)

National charter · 2 branches

Q1 2026

$193.2MAssets
$142.2MLoans
$167.7MDeposits
$18.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 331 of 568).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 546 of 557).
  • Overall: at or above the peer median on 2 of 10 directional measures.

Return on Assets

0.72%

Rank 412 of 604

Net Interest Margin

3.09%

Rank 433 of 604

Efficiency Ratio

47.25%

Rank 49 of 603

Equity / Assets

9.48%

Rank 376 of 604

Non-interest income vs. expense

$0.5M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 92% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.58%1.00%1.47%Beats 32%412 / 604
Return on Equity7.62%5.38%9.60%13.62%Beats 37%379 / 604
Net Interest Margin3.09%3.01%3.52%4.07%Beats 28%433 / 604
Efficiency Ratio47.25%58.15%68.01%80.27%Beats 92%49 / 603
Asset Quality
Nonperforming Loans / Loans1.20%0.08%0.39%1.12%Beats 23%428 / 558
Net Charge-Offs / Loans0.31%n/a0.00%0.02%Beats 2%546 / 557
Capital
Tier 1 Capital Ratio10.79%11.15%13.69%18.60%Beats 21%479 / 604
Total Risk-Based Capital Ratio10.79%11.56%14.21%19.70%Beats 17%500 / 604
Equity / Assets9.48%8.81%10.34%13.22%Beats 38%376 / 604
Liquidity & Funding
Loans / Deposits84.81%63.31%78.59%92.04%60th pctl226 / 570
Loans / Assets73.62%50.80%66.73%77.27%65th pctl214 / 606
Brokered Deposits / Deposits0.00%n/an/a3.83%Beats 100%331 / 568