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Putnam County State Bank

Unionville, MO · Cert 22895 · Putnam County Bancshares Inc.

State charter, non-member · FDIC · 2 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

99

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

Putnam County State Bank

Unionville, MO · Cert 22895 · Putnam County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$317.6MAssets
$236.2MLoans
$273.7MDeposits
$42.7MEquity
Loan mix
77%RE $125.6M21%C&I $33.4M2%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $225.3M18%Noninterest $48.4MQ2 2025Q2 2026

NIM

6.23%Q2 ’246.26%Q2 ’255.77%Q2 ’26+3%-7%

Non-interest income vs. expense

1.26%Q2 ’241.30%Q2 ’251.25%Q2 ’26+8%-4%

Executive Summary

  • Earnings: ROA of 1.75%, down 19 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.62% of loans (+24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.52%, down 84 bps from a year ago.
  • Funding: loans stand at 86.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-25 bps YoY

Efficiency Ratio (YTD, annualized)

34.85%+101 bps YoY

Tier 1 Leverage Ratio

13.52%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.99%1.82%1.61%1.75%-19 bps
Return on Equity13.87%14.12%13.19%12.49%13.41%-46 bps
Net Interest Margin3.59%3.57%3.52%3.36%3.34%-25 bps
Efficiency Ratio33.84%32.91%36.25%38.76%34.85%+101 bps
Non-Interest Burden1.05%1.00%1.11%1.15%1.00%-4 bps
Growth
Asset Growth (YoY)7.09%10.25%12.60%12.04%10.56%+347 bps
Loan Growth (YoY)0.33%2.65%4.29%0.56%4.72%+439 bps
Deposit Growth (YoY)8.18%11.80%14.57%13.17%11.59%+341 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.33%0.36%0.31%0.62%+24 bps
Net Charge-Offs / Loans-0.01%0.00%-0.01%0.01%0.00%+1 bps
Allowance / Loans1.34%1.31%1.31%1.42%1.38%+4 bps
Allowance Coverage of NPLs3.6x4.0x3.6x4.6x2.2x-1.3x
Capital
Tier 1 Leverage Ratio14.35%14.59%13.34%13.14%13.52%-84 bps
Total Risk-Based Capital14.35%14.59%13.34%13.14%13.52%-84 bps
Equity / Assets14.28%14.33%12.71%13.03%13.43%-85 bps
Liquidity & Funding
Loans / Deposits91.97%91.56%90.14%84.19%86.31%-567 bps
Liquid Assets / Assets16.83%8.66%19.24%20.66%22.32%+549 bps
CRE / Total Capitaln/a18.22%17.02%16.63%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

Putnam County State Bank

Unionville, MO · Cert 22895 · Peer group: banks under $1B in assets in MO (n=82-83) · Putnam County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$317.6MAssets
$236.2MLoans
$273.7MDeposits
$42.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in MO (rank 2 of 83).
  • Widest gap: net interest margin trails 77% of banks under $1B in assets in MO (rank 64 of 83).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.74%

Rank 22 of 83

Net Interest Margin

3.34%

Rank 64 of 83

Efficiency Ratio

34.85%

Rank 2 of 83

Equity / Assets

13.43%

Rank 20 of 83

Non-interest income vs. expense

$0.8M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 99% of banks under $1B in assets in MO
Bank 34.85%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.74%0.96%1.32%1.75%Beats 73%22 / 83
Return on Equity12.96%9.66%12.96%15.76%Beats 49%42 / 83
Net Interest Margin3.34%3.35%3.85%4.16%Beats 23%64 / 83
Efficiency Ratio34.85%49.83%58.83%68.51%Beats 99%2 / 83
Asset Quality
Nonperforming Loans / Loans0.62%0.08%0.51%1.01%Beats 44%47 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 73%23 / 82
Capital
Tier 1 Capital Ratio13.52%11.01%12.49%14.98%Beats 60%33 / 83
Total Risk-Based Capital Ratio13.52%11.13%13.01%15.10%Beats 54%38 / 83
Equity / Assets13.43%8.83%10.71%13.29%Beats 76%20 / 83
Liquidity & Funding
Loans / Deposits86.31%69.28%83.22%91.21%59th pctl34 / 82
Loans / Assets74.38%59.34%71.15%78.36%58th pctl35 / 83
Brokered Deposits / Depositsn/aNot reported for this institution