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Community Bank of El Dorado Springs

El Dorado Springs, MO · Cert 23551

State charter, non-member · FDIC · 1 branch

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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

92

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

Community Bank of El Dorado Springs

El Dorado Springs, MO · Cert 23551

State charter, non-member · FDIC · 1 branch

Q2 2026

$143.6MAssets
$85.2MLoans
$120.4MDeposits
$23.0MEquity
Loan mix
94%RE $77.3M2%C&I $1.3M4%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $92.9M23%Noninterest $27.5MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.28%Q2 ’255.26%Q2 ’26+13%+5%

Non-interest income vs. expense

1.79%Q2 ’241.82%Q2 ’251.76%Q2 ’26+2%-3%

Executive Summary

  • Earnings: ROA of 1.79%, up 18 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.09% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.56%, up 18 bps from a year ago.
  • Funding: loans stand at 70.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+18 bps YoY

Efficiency Ratio (YTD, annualized)

43.35%-339 bps YoY

Tier 1 Leverage Ratio

16.56%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.74%1.76%1.83%1.79%+18 bps
Return on Equity10.05%10.88%10.92%10.97%10.93%+87 bps
Net Interest Margin3.67%3.73%3.81%3.87%3.85%+18 bps
Efficiency Ratio46.74%43.97%44.33%42.37%43.35%-339 bps
Non-Interest Burden1.60%1.52%1.57%1.51%1.55%-6 bps
Growth
Asset Growth (YoY)2.54%7.36%4.06%2.29%9.05%+651 bps
Loan Growth (YoY)9.54%13.90%12.61%13.05%9.02%-52 bps
Deposit Growth (YoY)1.52%7.61%3.25%1.32%9.44%+791 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.09%0.39%0.09%-15 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.00%0.00%0 bps
Allowance / Loans1.12%1.05%1.05%1.05%1.07%-4 bps
Allowance Coverage of NPLs4.6x11.3x11.6x2.7x12.0x+7.4x
Capital
Tier 1 Leverage Ratio16.38%15.98%16.61%16.81%16.56%+18 bps
Total Risk-Based Capital16.38%15.98%16.61%16.81%16.56%+18 bps
Equity / Assets16.28%15.87%16.74%16.57%16.00%-28 bps
Liquidity & Funding
Loans / Deposits71.05%72.50%76.12%75.34%70.78%-27 bps
Liquid Assets / Assets5.69%7.07%4.74%5.51%10.47%+478 bps
CRE / Total Capitaln/a55.72%34.93%41.25%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

Community Bank of El Dorado Springs

El Dorado Springs, MO · Cert 23551 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, non-member · FDIC · 1 branch

Q2 2026

$143.6MAssets
$85.2MLoans
$120.4MDeposits
$23.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks under $1B in assets in MO (rank 5 of 83).
  • Widest gap: return on equity trails 69% of banks under $1B in assets in MO (rank 57 of 83).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.72%

Rank 24 of 83

Net Interest Margin

3.85%

Rank 41 of 83

Efficiency Ratio

43.35%

Rank 8 of 83

Equity / Assets

16.00%

Rank 5 of 83

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 92% of banks under $1B in assets in MO
Bank 43.35%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.72%0.96%1.32%1.75%Beats 71%24 / 83
Return on Equity10.76%9.66%12.96%15.76%Beats 31%57 / 83
Net Interest Margin3.85%3.35%3.85%4.16%Beats 51%41 / 83
Efficiency Ratio43.35%49.83%58.83%68.51%Beats 92%8 / 83
Asset Quality
Nonperforming Loans / Loans0.09%0.08%0.51%1.01%Beats 74%22 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 80%17 / 82
Capital
Tier 1 Capital Ratio16.56%11.01%12.49%14.98%Beats 83%14 / 83
Total Risk-Based Capital Ratio16.56%11.13%13.01%15.10%Beats 82%15 / 83
Equity / Assets16.00%8.83%10.71%13.29%Beats 94%5 / 83
Liquidity & Funding
Loans / Deposits70.78%69.28%83.22%91.21%27th pctl60 / 82
Loans / Assets59.33%59.34%71.15%78.36%23rd pctl64 / 83
Brokered Deposits / Depositsn/aNot reported for this institution