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Metz Banking Company

Nevada, MO · Cert 1945

State charter, non-member · FDIC · 2 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

58

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

Metz Banking Company

Nevada, MO · Cert 1945

State charter, non-member · FDIC · 2 branches

Q2 2026

$117.3MAssets
$76.3MLoans
$104.0MDeposits
$12.9MEquity
Loan mix
86%RE $60.5M13%C&I $9.2M1%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $70.5M32%Noninterest $33.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.26%, up 20 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.60%, up 6 bps from a year ago.
  • Funding: loans stand at 73.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+12 bps YoY

Efficiency Ratio (YTD, annualized)

55.57%-482 bps YoY

Tier 1 Leverage Ratio

11.60%+6 bps YoY

NIM

4.99%Q2 ’245.29%Q2 ’255.17%Q2 ’26+6%+4%

Non-interest income vs. expense

2.06%Q2 ’242.07%Q2 ’251.96%Q2 ’26+1%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.75%0.99%1.06%1.02%1.01%1.08%1.26%+20 bps
Return on Equity8.19%7.33%9.56%10.18%9.72%9.52%9.78%11.44%+126 bps
Net Interest Margin3.03%2.94%3.10%3.25%3.26%3.26%3.32%3.36%+12 bps
Efficiency Ratio65.99%69.67%61.57%60.39%60.19%61.56%60.56%55.57%-482 bps
Non-Interest Burden1.93%1.99%1.84%1.89%1.89%1.95%1.94%1.80%-10 bps
Growth
Asset Growth (YoY)7.30%5.66%7.86%12.08%7.50%5.65%9.70%6.51%-557 bps
Loan Growth (YoY)6.40%1.58%0.17%0.94%-0.12%2.09%-1.38%-1.34%-228 bps
Deposit Growth (YoY)5.77%5.09%7.15%11.84%7.07%4.46%9.36%5.84%-600 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.07%1.05%1.03%1.06%1.02%1.03%1.01%-3 bps
Allowance Coverage of NPLs131.7x12.0xn/an/an/a16.7xn/an/an/a
Capital
Tier 1 Leverage Ratio12.01%11.48%11.55%11.54%11.51%11.42%11.45%11.60%+6 bps
Total Risk-Based Capital12.01%11.48%11.55%11.54%11.51%11.42%11.45%11.60%+6 bps
Equity / Assets10.57%10.15%10.62%10.44%10.92%11.15%10.88%10.96%+52 bps
Liquidity & Funding
Loans / Deposits82.76%79.67%80.25%78.72%77.20%77.86%72.37%73.38%-534 bps
Liquid Assets / Assets4.88%9.40%7.60%12.87%8.90%6.98%11.97%7.01%-586 bps
CRE / Total Capitaln/an/an/an/a183.12%185.31%181.37%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

Metz Banking Company

Nevada, MO · Cert 1945 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, non-member · FDIC · 2 branches

Q2 2026

$117.3MAssets
$76.3MLoans
$104.0MDeposits
$12.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets in MO (rank 61 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.23%

Rank 44 of 83

Net Interest Margin

3.36%

Rank 61 of 83

Efficiency Ratio

55.57%

Rank 36 of 83

Equity / Assets

10.96%

Rank 36 of 83

Non-interest income vs. expense

$0.2M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 58% of banks under $1B in assets in MO
Bank 55.57%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.23%0.96%1.32%1.75%Beats 47%44 / 83
Return on Equity11.19%9.66%12.96%15.76%Beats 34%55 / 83
Net Interest Margin3.36%3.35%3.85%4.16%Beats 27%61 / 83
Efficiency Ratio55.57%49.83%58.83%68.51%Beats 58%36 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio11.60%11.01%12.49%14.98%Beats 36%53 / 83
Total Risk-Based Capital Ratio11.60%11.13%13.01%15.10%Beats 31%57 / 83
Equity / Assets10.96%8.83%10.71%13.29%Beats 57%36 / 83
Liquidity & Funding
Loans / Deposits73.38%69.28%83.22%91.21%30th pctl57 / 82
Loans / Assets65.03%59.34%71.15%78.36%35th pctl54 / 83
Brokered Deposits / Depositsn/aNot reported for this institution