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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 $3.9MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $225.3M18%Noninterest $48.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.80%1.75%1.94%1.99%1.82%1.61%1.75%-19 bps
Return on Equity12.20%12.31%12.58%13.87%14.12%13.19%12.49%13.41%-46 bps
Net Interest Margin3.49%3.47%3.63%3.59%3.57%3.52%3.36%3.34%-25 bps
Efficiency Ratio34.58%36.94%40.07%33.84%32.91%36.25%38.76%34.85%+101 bps
Non-Interest Burden1.01%1.10%1.30%1.05%1.00%1.11%1.15%1.00%-4 bps
Growth
Asset Growth (YoY)6.43%4.30%4.99%7.09%10.25%12.60%12.04%10.56%+347 bps
Loan Growth (YoY)2.69%4.80%4.69%0.33%2.65%4.29%0.56%4.72%+439 bps
Deposit Growth (YoY)6.60%4.11%5.82%8.18%11.80%14.57%13.17%11.59%+341 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.68%0.10%0.38%0.33%0.36%0.31%0.62%+24 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.04%-0.01%0.00%-0.01%0.01%0.00%+1 bps
Allowance / Loans1.31%1.28%1.33%1.34%1.31%1.31%1.42%1.38%+4 bps
Allowance Coverage of NPLs6.3x1.9x13.1x3.6x4.0x3.6x4.6x2.2x-1.3x
Capital
Tier 1 Leverage Ratio15.55%13.98%14.11%14.35%14.59%13.34%13.14%13.52%-84 bps
Total Risk-Based Capital15.55%13.98%14.11%14.35%14.59%13.34%13.14%13.52%-84 bps
Equity / Assets15.48%13.74%14.01%14.28%14.33%12.71%13.03%13.43%-85 bps
Liquidity & Funding
Loans / Deposits99.72%99.03%94.75%91.97%91.56%90.14%84.19%86.31%-567 bps
Liquid Assets / Assets12.04%12.80%16.07%16.83%8.66%19.24%20.66%22.32%+549 bps
CRE / Total Capitaln/an/an/an/a18.22%17.02%16.63%n/an/a