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Peoples Community Bank

Greenville, MO · Cert 22394 · Greenville Bancshares Inc.

State charter, non-member · FDIC · 16 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

86

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

Peoples Community Bank

Greenville, MO · Cert 22394 · Greenville Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$735.2MAssets
$499.4MLoans
$599.8MDeposits
$131.3MEquity
Loan mix
87%RE $421.8M7%C&I $36.3M5%Consumer $26.3MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $509.4M15%Noninterest $90.5MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.81%Q2 ’255.93%Q2 ’26+14%+7%

Non-interest income vs. expense

1.97%Q2 ’242.34%Q2 ’252.23%Q2 ’26+30%-8%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.3% share · #34 of 41 inst. · $0.1B of $17.8B

66.1% Wayne
85.6% Reynolds
15.4% Texas
32.1% Ripley

Executive Summary

  • Earnings: ROA of 2.05%, up 33 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 1.23% of loans (-56 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 18.54%, up 69 bps from a year ago.
  • Funding: loans stand at 83.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.05%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+27 bps YoY

Efficiency Ratio (YTD, annualized)

44.88%-532 bps YoY

Tier 1 Leverage Ratio

18.54%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.91%1.88%2.23%2.05%+33 bps
Return on Equity10.12%11.07%10.73%11.95%11.14%+102 bps
Net Interest Margin4.06%4.19%4.23%4.32%4.33%+27 bps
Efficiency Ratio50.20%46.52%47.67%40.34%44.88%-532 bps
Non-Interest Burden1.72%1.59%1.68%1.33%1.57%-14 bps
Growth
Asset Growth (YoY)2.09%2.41%2.01%1.61%4.07%+199 bps
Loan Growth (YoY)3.09%3.79%6.53%6.74%7.35%+426 bps
Deposit Growth (YoY)1.23%1.48%-0.05%-0.66%2.37%+114 bps
Asset Quality
Nonperforming Loans / Loans1.79%1.56%1.50%1.59%1.23%-56 bps
Net Charge-Offs / Loans0.06%0.06%0.17%-0.05%-0.02%-7 bps
Allowance / Loans1.19%1.19%1.10%1.16%1.19%0 bps
Allowance Coverage of NPLs0.7x0.8x0.7x0.7x1.0x+0.3x
Capital
Tier 1 Leverage Ratio17.85%18.72%19.16%19.56%18.54%+69 bps
Total Risk-Based Capital17.85%18.72%19.16%19.56%18.54%+69 bps
Equity / Assets16.79%18.00%18.63%18.71%17.87%+107 bps
Liquidity & Funding
Loans / Deposits79.39%82.99%85.00%84.26%83.25%+386 bps
Liquid Assets / Assets6.91%5.81%6.50%10.18%10.14%+323 bps
CRE / Total Capitaln/a120.00%122.50%113.71%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

Peoples Community Bank

Greenville, MO · Cert 22394 · Peer group: banks under $1B in assets in MO (n=82-83) · Greenville Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$735.2MAssets
$499.4MLoans
$599.8MDeposits
$131.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 95% of banks under $1B in assets in MO (rank 4 of 83).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in MO (rank 77 of 82).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.01%

Rank 9 of 83

Net Interest Margin

4.33%

Rank 16 of 83

Efficiency Ratio

44.88%

Rank 13 of 83

Equity / Assets

17.87%

Rank 4 of 83

Non-interest income vs. expense

$4.8M$16.2MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 86% of banks under $1B in assets in MO
Bank 44.88%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.01%0.96%1.32%1.75%Beats 89%9 / 83
Return on Equity11.27%9.66%12.96%15.76%Beats 36%53 / 83
Net Interest Margin4.33%3.35%3.85%4.16%Beats 81%16 / 83
Efficiency Ratio44.88%49.83%58.83%68.51%Beats 86%13 / 83
Asset Quality
Nonperforming Loans / Loans1.23%0.08%0.51%1.01%Beats 22%65 / 82
Net Charge-Offs / Loans0.16%0.00%0.01%0.06%Beats 7%77 / 82
Capital
Tier 1 Capital Ratio18.54%11.01%12.49%14.98%Beats 87%11 / 83
Total Risk-Based Capital Ratio18.54%11.13%13.01%15.10%Beats 86%12 / 83
Equity / Assets17.87%8.83%10.71%13.29%Beats 95%4 / 83
Liquidity & Funding
Loans / Deposits83.25%69.28%83.22%91.21%51st pctl40 / 82
Loans / Assets67.92%59.34%71.15%78.36%39th pctl51 / 83
Brokered Deposits / Depositsn/aNot reported for this institution