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Letter portraitLegal landscapeQuarterYTD

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