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Security Bank of Southwest Missouri

Cassville, MO · Cert 26520

State charter, non-member · FDIC · 3 branches

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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

93

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

Security Bank of Southwest Missouri

Cassville, MO · Cert 26520

State charter, non-member · FDIC · 3 branches

Q2 2026

$146.8MAssets
$114.7MLoans
$127.7MDeposits
$18.7MEquity
Loan mix
86%RE $94.8M8%C&I $9.4M6%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $103.2M19%Noninterest $24.5MQ2 2025Q2 2026

NIM

6.20%Q2 ’246.50%Q2 ’256.59%Q2 ’26+6%+8%

Non-interest income vs. expense

2.55%Q2 ’242.38%Q2 ’252.35%Q2 ’26-10%+6%

Executive Summary

  • Earnings: ROA of 2.37%, up 13 bps year over year; NIM at 4.79%.
  • Asset quality: problem loans at 2.18% of loans (-109 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.74%, up 118 bps from a year ago.
  • Funding: loans stand at 89.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.37%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.79%+34 bps YoY

Efficiency Ratio (YTD, annualized)

42.49%-226 bps YoY

Tier 1 Leverage Ratio

12.74%+118 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.24%2.26%2.26%2.32%2.37%+13 bps
Return on Equity19.77%19.70%19.43%18.82%19.05%-72 bps
Net Interest Margin4.45%4.54%4.58%4.73%4.79%+34 bps
Efficiency Ratio44.75%44.38%44.43%42.85%42.49%-226 bps
Non-Interest Burden1.51%1.56%1.59%1.62%1.61%+10 bps
Growth
Asset Growth (YoY)11.96%8.43%6.67%3.03%4.66%-730 bps
Loan Growth (YoY)7.57%5.64%8.81%8.52%4.20%-337 bps
Deposit Growth (YoY)11.63%7.54%5.60%1.54%3.30%-833 bps
Asset Quality
Nonperforming Loans / Loans3.27%2.91%2.77%2.42%2.18%-109 bps
Net Charge-Offs / Loans0.17%0.10%0.15%0.09%-0.01%-18 bps
Allowance / Loans1.23%1.29%1.20%1.24%1.37%+14 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.6x+0.3x
Capital
Tier 1 Leverage Ratio11.56%11.92%12.22%12.36%12.74%+118 bps
Total Risk-Based Capital11.56%11.92%12.22%12.36%12.74%+118 bps
Equity / Assets11.56%11.99%12.22%12.38%12.71%+115 bps
Liquidity & Funding
Loans / Deposits89.05%90.40%95.18%92.98%89.83%+78 bps
Liquid Assets / Assets9.30%6.51%5.55%8.55%10.75%+145 bps
CRE / Total Capitaln/a146.05%145.89%142.59%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

Security Bank of Southwest Missouri

Cassville, MO · Cert 26520 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, non-member · FDIC · 3 branches

Q2 2026

$146.8MAssets
$114.7MLoans
$127.7MDeposits
$18.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 98% of banks under $1B in assets in MO (rank 2 of 83).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in MO (rank 74 of 82).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.33%

Rank 2 of 83

Net Interest Margin

4.79%

Rank 8 of 83

Efficiency Ratio

42.49%

Rank 7 of 83

Equity / Assets

12.71%

Rank 25 of 83

Non-interest income vs. expense

$1.1M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 93% of banks under $1B in assets in MO
Bank 42.49%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.33%0.96%1.32%1.75%Beats 98%2 / 83
Return on Equity18.35%9.66%12.96%15.76%Beats 88%10 / 83
Net Interest Margin4.79%3.35%3.85%4.16%Beats 90%8 / 83
Efficiency Ratio42.49%49.83%58.83%68.51%Beats 93%7 / 83
Asset Quality
Nonperforming Loans / Loans2.18%0.08%0.51%1.01%Beats 12%73 / 82
Net Charge-Offs / Loans0.12%0.00%0.01%0.06%Beats 11%74 / 82
Capital
Tier 1 Capital Ratio12.74%11.01%12.49%14.98%Beats 54%38 / 83
Total Risk-Based Capital Ratio12.74%11.13%13.01%15.10%Beats 48%43 / 83
Equity / Assets12.71%8.83%10.71%13.29%Beats 70%25 / 83
Liquidity & Funding
Loans / Deposits89.83%69.28%83.22%91.21%71st pctl24 / 82
Loans / Assets78.15%59.34%71.15%78.36%73rd pctl22 / 83
Brokered Deposits / Depositsn/aNot reported for this institution