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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

$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

4.60%Q2 ’244.70%Q2 ’254.72%Q2 ’26+12%+6%

Non-interest income vs. expense

1.79%Q2 ’242.01%Q2 ’252.22%Q2 ’26+16%+10%

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 1.03%, up 1 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 1.01% of loans (+77 bps YoY), with net recoveries of 0.04%.
  • 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 (quarter, annualized)

1.03%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.04%+18 bps YoY

Efficiency Ratio (quarter, annualized)

61.14%+197 bps YoY

Tier 1 Leverage Ratio

10.03%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.15%1.23%1.24%1.03%+1 bps
Return on Equity12.91%13.52%13.69%14.15%12.16%-75 bps
Net Interest Margin2.85%3.03%3.13%3.11%3.04%+18 bps
Efficiency Ratio59.18%57.24%57.46%53.76%61.14%+197 bps
Non-Interest Burden1.51%1.53%1.59%1.45%1.66%+15 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 / Loans-0.02%-0.03%0.01%0.16%-0.04%-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