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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

$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

6.31%Q2 ’246.29%Q2 ’255.76%Q2 ’26+4%-8%

Non-interest income vs. expense

1.17%Q2 ’241.08%Q2 ’251.12%Q2 ’26-8%+5%

Executive Summary

  • Earnings: ROA of 1.89%, down 25 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.62% of loans (+24 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.89%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.35%-27 bps YoY

Efficiency Ratio (quarter, annualized)

30.99%+324 bps YoY

Tier 1 Leverage Ratio

13.52%-84 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.14%2.09%1.36%1.61%1.89%-25 bps
Return on Equity15.13%14.62%10.04%12.49%14.32%-81 bps
Net Interest Margin3.62%3.67%3.64%3.36%3.35%-27 bps
Efficiency Ratio27.74%31.14%45.82%38.76%30.99%+324 bps
Non-Interest Burden0.82%0.95%1.52%1.15%0.86%+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 / Loans0.02%0.02%-0.04%0.01%-0.01%-2 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