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Lamar Bank and Trust Company

Lamar, MO · Cert 1964 · Lamar Trust Bancshares Inc.

State charter, Fed member · FED · 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

37

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

Lamar Bank and Trust Company

Lamar, MO · Cert 1964 · Lamar Trust Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$269.0MAssets
$205.2MLoans
$235.1MDeposits
$22.3MEquity
Loan mix
85%RE $158.6M11%C&I $21.4M3%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $186.9M20%Noninterest $48.2MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.70%Q2 ’255.69%Q2 ’26+8%+7%

Non-interest income vs. expense

2.38%Q2 ’242.47%Q2 ’252.93%Q2 ’26+7%+28%

Executive Summary

  • Earnings: ROA of 1.42%, down 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.20%, down 2 bps from a year ago.
  • Funding: loans stand at 87.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+28 bps YoY

Efficiency Ratio (YTD, annualized)

61.97%+717 bps YoY

Tier 1 Leverage Ratio

10.20%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.52%1.52%1.45%1.42%-15 bps
Return on Equity20.14%19.28%18.97%17.29%16.93%-321 bps
Net Interest Margin3.86%3.96%4.02%4.10%4.14%+28 bps
Efficiency Ratio54.80%56.30%57.55%59.30%61.97%+717 bps
Non-Interest Burden1.82%1.94%2.03%2.18%2.34%+52 bps
Growth
Asset Growth (YoY)5.44%6.05%7.50%1.79%3.84%-159 bps
Loan Growth (YoY)12.85%10.74%10.64%-0.13%4.95%-790 bps
Deposit Growth (YoY)3.43%4.33%3.50%1.05%4.91%+148 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.07%0.06%0.09%0.05%-2 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.01%0.01%-2 bps
Allowance / Loans1.00%1.06%1.06%1.07%1.03%+2 bps
Allowance Coverage of NPLs14.2x15.8x16.7x12.2x22.4x+8.2x
Capital
Tier 1 Leverage Ratio10.22%10.30%10.30%10.17%10.20%-2 bps
Total Risk-Based Capital10.22%10.30%10.30%10.17%10.20%-2 bps
Equity / Assets8.08%8.26%8.43%8.39%8.28%+20 bps
Liquidity & Funding
Loans / Deposits87.25%88.06%89.97%85.51%87.28%+4 bps
Liquid Assets / Assets5.14%5.28%4.31%6.69%4.65%-49 bps
CRE / Total Capitaln/a286%295%297%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

Lamar Bank and Trust Company

Lamar, MO · Cert 1964 · Peer group: banks under $1B in assets in MO (n=82-83) · Lamar Trust Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$269.0MAssets
$205.2MLoans
$235.1MDeposits
$22.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks under $1B in assets in MO (rank 17 of 83).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in MO (rank 76 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 38 of 83

Net Interest Margin

4.14%

Rank 24 of 83

Efficiency Ratio

61.97%

Rank 53 of 83

Equity / Assets

8.28%

Rank 71 of 83

Non-interest income vs. expense

$1.6M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.2M · efficiency ratio beats 37% of banks under $1B in assets in MO
Bank 61.97%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.96%1.32%1.75%Beats 54%38 / 83
Return on Equity16.78%9.66%12.96%15.76%Beats 80%17 / 83
Net Interest Margin4.14%3.35%3.85%4.16%Beats 71%24 / 83
Efficiency Ratio61.97%49.83%58.83%68.51%Beats 37%53 / 83
Asset Quality
Nonperforming Loans / Loans0.05%0.08%0.51%1.01%Beats 80%17 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 59%36 / 82
Capital
Tier 1 Capital Ratio10.20%11.01%12.49%14.98%Beats 12%73 / 83
Total Risk-Based Capital Ratio10.20%11.13%13.01%15.10%Beats 8%76 / 83
Equity / Assets8.28%8.83%10.71%13.29%Beats 14%71 / 83
Liquidity & Funding
Loans / Deposits87.28%69.28%83.22%91.21%62nd pctl31 / 82
Loans / Assets76.27%59.34%71.15%78.36%64th pctl30 / 83
Brokered Deposits / Depositsn/aNot reported for this institution