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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

4.45%Q2 ’244.78%Q2 ’254.83%Q2 ’26+18%+7%

Non-interest income vs. expense

2.94%Q2 ’243.06%Q2 ’253.12%Q2 ’26+45%+3%

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 1.08%, up 14 bps year over year; NIM at 3.57%.
  • 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 (quarter, annualized)

1.08%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+23 bps YoY

Efficiency Ratio (quarter, annualized)

69.11%-210 bps YoY

Tier 1 Leverage Ratio

8.73%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.93%1.13%0.98%1.08%+14 bps
Return on Equity15.88%14.50%16.86%14.61%15.69%-19 bps
Net Interest Margin3.34%3.45%3.50%3.47%3.57%+23 bps
Efficiency Ratio71.21%72.09%67.25%69.14%69.11%-210 bps
Non-Interest Burden2.10%2.21%2.01%2.11%2.17%+7 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 / Loans0.12%0.02%0.06%0.16%0.16%+4 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