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Community Bank of Marshall

Marshall, MO · Cert 22636 · Marshall Cmty Bancshares Inc.

State charter, non-member · FDIC · 7 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

53

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

Community Bank of Marshall

Marshall, MO · Cert 22636 · Marshall Cmty Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$250.2MAssets
$111.2MLoans
$226.7MDeposits
$21.4MEquity
Loan mix
86%RE $80.1M9%C&I $8.4M6%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $188.7M17%Noninterest $38.0MQ2 2025Q2 2026

NIM

4.56%Q2 ’244.68%Q2 ’254.73%Q2 ’26+12%+9%

Non-interest income vs. expense

1.86%Q2 ’241.96%Q2 ’252.10%Q2 ’26+8%+6%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #98 of 114 inst. · $0.0B of $99.1B

25.9% Saline
3.9% Lafayette

Executive Summary

  • Earnings: ROA of 1.14%, up 16 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.01% of loans (+77 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.03%, up 23 bps from a year ago.
  • Funding: loans stand at 49.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+25 bps YoY

Efficiency Ratio (YTD, annualized)

57.44%-84 bps YoY

Tier 1 Leverage Ratio

10.03%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.04%1.08%1.24%1.14%+16 bps
Return on Equity12.70%13.00%13.21%14.15%13.10%+40 bps
Net Interest Margin2.82%2.91%2.95%3.11%3.07%+25 bps
Efficiency Ratio58.28%57.92%57.80%53.76%57.44%-84 bps
Non-Interest Burden1.46%1.49%1.51%1.45%1.55%+9 bps
Growth
Asset Growth (YoY)2.10%1.50%0.34%3.99%4.76%+265 bps
Loan Growth (YoY)6.69%10.17%8.05%10.65%9.44%+275 bps
Deposit Growth (YoY)0.83%0.69%-0.68%3.17%4.23%+340 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.06%0.09%0.04%1.01%+77 bps
Net Charge-Offs / Loans0.04%0.01%0.01%0.16%0.06%+2 bps
Allowance / Loans1.47%1.39%1.39%1.36%1.36%-11 bps
Allowance Coverage of NPLs6.1x25.1x16.1x30.4x1.3x-4.8x
Capital
Tier 1 Leverage Ratio9.80%10.06%10.19%9.95%10.03%+23 bps
Total Risk-Based Capital9.80%10.06%10.19%9.95%10.03%+23 bps
Equity / Assets8.13%8.84%9.10%8.44%8.55%+42 bps
Liquidity & Funding
Loans / Deposits46.72%51.17%51.71%48.94%49.06%+234 bps
Liquid Assets / Assets5.32%3.67%3.24%7.51%6.35%+103 bps
CRE / Total Capitaln/a82.67%85.42%86.36%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

Community Bank of Marshall

Marshall, MO · Cert 22636 · Peer group: banks under $1B in assets in MO (n=82-83) · Marshall Cmty Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$250.2MAssets
$111.2MLoans
$226.7MDeposits
$21.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 53% of banks under $1B in assets in MO (rank 40 of 83).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in MO (rank 77 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.11%

Rank 53 of 83

Net Interest Margin

3.07%

Rank 74 of 83

Efficiency Ratio

58.24%

Rank 40 of 83

Equity / Assets

8.55%

Rank 67 of 83

Non-interest income vs. expense

$1.3M$5.1MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 53% of banks under $1B in assets in MO
Bank 58.24%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.96%1.32%1.75%Beats 36%53 / 83
Return on Equity12.97%9.66%12.96%15.76%Beats 51%41 / 83
Net Interest Margin3.07%3.35%3.85%4.16%Beats 11%74 / 83
Efficiency Ratio58.24%49.83%58.83%68.51%Beats 53%40 / 83
Asset Quality
Nonperforming Loans / Loans1.01%0.08%0.51%1.01%Beats 26%62 / 82
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 33%56 / 82
Capital
Tier 1 Capital Ratio10.03%11.01%12.49%14.98%Beats 10%75 / 83
Total Risk-Based Capital Ratio10.03%11.13%13.01%15.10%Beats 7%77 / 83
Equity / Assets8.55%8.83%10.71%13.29%Beats 19%67 / 83
Liquidity & Funding
Loans / Deposits49.06%69.28%83.22%91.21%5th pctl78 / 82
Loans / Assets44.45%59.34%71.15%78.36%6th pctl78 / 83
Brokered Deposits / Depositsn/aNot reported for this institution