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State Bank of Southwest Missouri

Springfield, MO · Cert 26358 · State Bancshares Inc.

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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

28

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

State Bank of Southwest Missouri

Springfield, MO · Cert 26358 · State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$183.8MAssets
$152.8MLoans
$164.0MDeposits
$13.0MEquity
Loan mix
89%RE $124.6M4%C&I $5.1M7%Consumer $9.9MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $116.8M29%Noninterest $47.2MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.17%Q2 ’255.36%Q2 ’26+3%+5%

Non-interest income vs. expense

3.12%Q2 ’243.27%Q2 ’253.44%Q2 ’26+4%+0%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.9% share · #22 of 41 inst. · $0.2B of $17.8B

Executive Summary

  • Earnings: ROA of 0.96%, up 12 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.49%, down 1 bps from a year ago.
  • Funding: loans stand at 93.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+19 bps YoY

Efficiency Ratio (YTD, annualized)

73.52%-205 bps YoY

Tier 1 Leverage Ratio

7.49%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.93%0.86%0.94%0.96%+12 bps
Return on Equity11.78%12.94%11.98%13.16%13.58%+180 bps
Net Interest Margin3.72%3.93%3.89%3.99%3.91%+19 bps
Efficiency Ratio75.57%73.65%76.22%73.54%73.52%-205 bps
Non-Interest Burden2.66%2.73%2.80%2.74%2.67%+1 bps
Growth
Asset Growth (YoY)5.01%-2.27%8.13%6.88%11.90%+689 bps
Loan Growth (YoY)1.69%7.18%6.18%6.62%12.44%+1,074 bps
Deposit Growth (YoY)5.05%-1.87%9.03%6.69%11.53%+647 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.08%0.08%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.59%0.56%0.58%0.59%0.54%-5 bps
Allowance Coverage of NPLsn/a6.9x6.9x7.0xn/an/a
Capital
Tier 1 Leverage Ratio7.50%7.73%7.65%7.58%7.49%-1 bps
Total Risk-Based Capital11.16%10.56%10.82%11.09%10.71%-45 bps
Equity / Assets7.20%7.24%7.20%7.05%7.06%-13 bps
Liquidity & Funding
Loans / Deposits92.44%96.77%91.60%89.21%93.19%+75 bps
Liquid Assets / Assets6.00%3.08%7.11%11.64%4.60%-141 bps
CRE / Total Capitaln/a199.73%194.20%221%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

State Bank of Southwest Missouri

Springfield, MO · Cert 26358 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$183.8MAssets
$152.8MLoans
$164.0MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets operating in a single state (rank 695 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.93%

Rank 444 of 746

Net Interest Margin

3.91%

Rank 286 of 746

Efficiency Ratio

73.52%

Rank 536 of 746

Equity / Assets

7.06%

Rank 695 of 746

Non-interest income vs. expense

$1.4M$6.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 73.52%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.72%1.06%1.45%Beats 40%444 / 746
Return on Equity13.14%6.74%10.51%13.63%Beats 71%219 / 746
Net Interest Margin3.91%3.17%3.68%4.16%Beats 62%286 / 746
Efficiency Ratio73.52%55.74%64.58%75.47%Beats 28%536 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.07%11.55%13.75%17.60%Beats 9%678 / 746
Total Risk-Based Capital Ratio10.71%11.71%14.33%18.43%Beats 15%634 / 746
Equity / Assets7.06%8.90%10.51%13.06%Beats 7%695 / 746
Liquidity & Funding
Loans / Deposits93.19%61.31%78.27%90.78%80th pctl148 / 746
Loans / Assets83.18%53.60%66.97%76.08%92nd pctl60 / 746
Brokered Deposits / Depositsn/aNot reported for this institution