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Southwest Missouri Bank

Carthage, MO · Cert 22876 · Southwest Missouri Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

27

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

Southwest Missouri Bank

Carthage, MO · Cert 22876 · Southwest Missouri Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.2BAssets
$640.9MLoans
$1.0BDeposits
$85.3MEquity
Loan mix
76%RE $466.4M9%C&I $54.5M15%Consumer $95.2MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $947.1M9%Noninterest $96.6MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.71%Q2 ’254.81%Q2 ’26+15%+8%

Non-interest income vs. expense

2.94%Q2 ’243.02%Q2 ’253.08%Q2 ’26+19%+4%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 21.4% share · #1 of 22 inst. · $1.0B of $4.9B

25.8% Jasper
18.7% Newton

Executive Summary

  • Earnings: ROA of 1.03%, up 11 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.25% of loans (+9 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 8.73%, up 11 bps from a year ago.
  • Funding: loans stand at 61.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+26 bps YoY

Efficiency Ratio (YTD, annualized)

69.12%-255 bps YoY

Tier 1 Leverage Ratio

8.73%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.92%0.97%0.98%1.03%+11 bps
Return on Equity16.04%15.43%15.84%14.61%15.07%-97 bps
Net Interest Margin3.26%3.32%3.30%3.47%3.52%+26 bps
Efficiency Ratio71.67%71.82%70.60%69.14%69.12%-255 bps
Non-Interest Burden2.06%2.11%2.05%2.11%2.14%+8 bps
Growth
Asset Growth (YoY)3.14%4.52%6.11%5.45%4.88%+173 bps
Loan Growth (YoY)9.34%8.98%8.75%7.50%6.43%-291 bps
Deposit Growth (YoY)1.99%3.64%4.43%4.02%4.51%+252 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.22%0.19%0.21%0.25%+9 bps
Net Charge-Offs / Loans0.10%0.08%0.07%0.16%0.16%+5 bps
Allowance / Loans1.03%1.05%1.09%1.09%1.11%+9 bps
Allowance Coverage of NPLs6.5x4.8x5.7x5.2x4.5x-2.0x
Capital
Tier 1 Leverage Ratio8.62%8.72%8.67%8.58%8.73%+11 bps
Total Risk-Based Capital15.96%16.06%16.07%16.21%16.39%+43 bps
Equity / Assets6.13%6.71%6.76%6.68%7.06%+93 bps
Liquidity & Funding
Loans / Deposits60.30%61.26%58.86%59.81%61.41%+111 bps
Liquid Assets / Assets0.74%0.66%4.94%2.43%1.42%+68 bps
CRE / Total Capitaln/a136.55%142.27%139.49%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

Southwest Missouri Bank

Carthage, MO · Cert 22876 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Southwest Missouri Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.2BAssets
$640.9MLoans
$1.0BDeposits
$85.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 59 of 258).
  • Widest gap: equity / assets trails 96% of banks $1B-$10B in assets operating in a single state (rank 248 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.04%

Rank 169 of 258

Net Interest Margin

3.52%

Rank 123 of 258

Efficiency Ratio

69.12%

Rank 189 of 257

Equity / Assets

7.06%

Rank 248 of 258

Non-interest income vs. expense

$11.6M$38.1MINCOMEEXPENSE
Unfavorable gap of $26.4M · efficiency ratio beats 27% of banks $1B-$10B in assets operating in a single state
Bank 69.12%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.93%1.23%1.54%Beats 34%169 / 258
Return on Equity14.74%9.26%11.84%14.74%Beats 75%65 / 258
Net Interest Margin3.52%3.16%3.49%3.88%Beats 52%123 / 258
Efficiency Ratio69.12%51.71%60.30%69.65%Beats 27%189 / 257
Asset Quality
Nonperforming Loans / Loans0.25%0.19%0.46%0.90%Beats 67%85 / 258
Net Charge-Offs / Loans0.09%0.01%0.02%0.07%Beats 22%203 / 258
Capital
Tier 1 Capital Ratio15.30%11.41%12.98%15.12%Beats 77%59 / 258
Total Risk-Based Capital Ratio16.39%12.10%13.91%16.08%Beats 77%59 / 258
Equity / Assets7.06%9.09%10.24%11.72%Beats 4%248 / 258
Liquidity & Funding
Loans / Deposits61.41%73.24%86.34%95.95%8th pctl237 / 258
Loans / Assets53.04%63.01%72.27%78.40%9th pctl235 / 258
Brokered Deposits / Depositsn/aNot reported for this institution