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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

6.35%Q2 ’246.61%Q2 ’256.68%Q2 ’26+10%+5%

Non-interest income vs. expense

2.54%Q2 ’242.42%Q2 ’252.38%Q2 ’26+2%-5%

Executive Summary

  • Earnings: ROA of 2.42%, up 22 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 2.18% of loans (-109 bps YoY), with net recoveries of 0.12%.
  • 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 (quarter, annualized)

2.42%+22 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+24 bps YoY

Efficiency Ratio (quarter, annualized)

42.14%-298 bps YoY

Tier 1 Leverage Ratio

12.74%+118 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.31%2.23%2.32%2.42%+22 bps
Return on Equity19.46%19.61%18.40%18.82%19.30%-15 bps
Net Interest Margin4.64%4.80%4.71%4.73%4.89%+24 bps
Efficiency Ratio45.12%43.69%44.59%42.85%42.14%-298 bps
Non-Interest Burden1.70%1.67%1.68%1.62%1.61%-8 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 / Loans0.29%-0.04%0.33%0.09%-0.12%-41 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