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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

5.53%Q2 ’245.93%Q2 ’256.00%Q2 ’26+13%+5%

Non-interest income vs. expense

2.12%Q2 ’241.96%Q2 ’252.47%Q2 ’26-9%+39%

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 1.87%, down 26 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 1.23% of loans (-56 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.87%-26 bps YoY

Net Interest Margin (quarter, annualized)

4.39%+20 bps YoY

Efficiency Ratio (quarter, annualized)

49.34%+863 bps YoY

Tier 1 Leverage Ratio

18.54%+69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.13%2.29%1.77%2.23%1.87%-26 bps
Return on Equity12.58%13.15%9.68%11.95%10.24%-234 bps
Net Interest Margin4.19%4.39%4.39%4.32%4.39%+20 bps
Efficiency Ratio40.70%39.72%51.06%40.34%49.34%+863 bps
Non-Interest Burden1.32%1.31%1.97%1.33%1.83%+52 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 / Loans0.11%0.08%0.51%-0.05%0.01%-10 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