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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

$183.8MAssets
$152.8MLoans
$164.0MDeposits
$13.0MEquity
Loan mix
89%RE $124.6M4%C&I $5.1M7%Consumer $9.9MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $116.8M29%Noninterest $47.2MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 0.99%, up 4 bps year over year; NIM at 4.04%.
  • 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.

Return on Assets (quarter, annualized)

0.99%+4 bps YoY

Net Interest Margin (quarter, annualized)

4.04%+17 bps YoY

Efficiency Ratio (quarter, annualized)

73.51%+8 bps YoY

Tier 1 Leverage Ratio

7.49%-1 bps YoY

NIM

5.16%Q2 ’245.38%Q2 ’255.58%Q2 ’26+7%+4%

Non-interest income vs. expense

3.06%Q2 ’243.33%Q2 ’253.59%Q2 ’26+14%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.60%0.73%0.95%1.10%0.66%0.94%0.99%+4 bps
Return on Equity11.01%8.59%10.20%13.33%15.22%9.09%13.16%14.08%+75 bps
Net Interest Margin3.75%3.89%3.79%3.88%4.12%4.13%3.99%4.04%+17 bps
Efficiency Ratio77.29%82.89%77.94%73.43%70.07%83.08%73.54%73.51%+8 bps
Non-Interest Burden2.78%3.11%2.82%2.67%2.69%3.29%2.74%2.75%+8 bps
Growth
Asset Growth (YoY)5.94%0.53%0.74%5.01%-2.27%8.13%6.88%11.90%+689 bps
Loan Growth (YoY)8.41%7.44%6.09%1.69%7.18%6.18%6.62%12.44%+1,074 bps
Deposit Growth (YoY)6.43%0.15%-0.36%5.05%-1.87%9.03%6.69%11.53%+647 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.08%0.08%0.08%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.61%0.62%0.59%0.56%0.58%0.59%0.54%-5 bps
Allowance Coverage of NPLs24.4xn/an/an/a6.9x6.9x7.0xn/an/a
Capital
Tier 1 Leverage Ratio7.54%7.80%7.97%7.50%7.73%7.65%7.58%7.49%-1 bps
Total Risk-Based Capital10.80%11.29%11.18%11.16%10.56%10.82%11.09%10.71%-45 bps
Equity / Assets6.72%7.27%7.10%7.20%7.24%7.20%7.05%7.06%-13 bps
Liquidity & Funding
Loans / Deposits88.60%94.06%89.28%92.44%96.77%91.60%89.21%93.19%+75 bps
Liquid Assets / Assets9.05%5.49%5.14%6.00%3.08%7.11%11.64%4.60%-141 bps
CRE / Total Capitaln/an/an/an/a199.73%194.20%221%n/an/a