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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 $6.7MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $103.2M19%Noninterest $24.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%2.01%2.25%2.24%2.26%2.26%2.32%2.37%+13 bps
Return on Equity17.05%17.96%20.11%19.77%19.70%19.43%18.82%19.05%-72 bps
Net Interest Margin4.20%4.17%4.34%4.45%4.54%4.58%4.73%4.79%+34 bps
Efficiency Ratio49.88%48.10%44.37%44.75%44.38%44.43%42.85%42.49%-226 bps
Non-Interest Burden1.67%1.59%1.35%1.51%1.56%1.59%1.62%1.61%+10 bps
Growth
Asset Growth (YoY)7.86%11.49%13.63%11.96%8.43%6.67%3.03%4.66%-730 bps
Loan Growth (YoY)7.97%9.33%8.36%7.57%5.64%8.81%8.52%4.20%-337 bps
Deposit Growth (YoY)7.48%11.53%13.59%11.63%7.54%5.60%1.54%3.30%-833 bps
Asset Quality
Nonperforming Loans / Loans5.93%2.95%3.77%3.27%2.91%2.77%2.42%2.18%-109 bps
Net Charge-Offs / Loans0.13%0.11%0.04%0.17%0.10%0.15%0.09%-0.01%-18 bps
Allowance / Loans1.24%1.24%1.27%1.23%1.29%1.20%1.24%1.37%+14 bps
Allowance Coverage of NPLs0.2x0.4x0.3x0.4x0.4x0.4x0.5x0.6x+0.3x
Capital
Tier 1 Leverage Ratio11.47%11.35%11.33%11.56%11.92%12.22%12.36%12.74%+118 bps
Total Risk-Based Capital11.47%11.35%11.33%11.56%11.92%12.22%12.36%12.74%+118 bps
Equity / Assets11.20%11.28%11.09%11.56%11.99%12.22%12.38%12.71%+115 bps
Liquidity & Funding
Loans / Deposits92.03%92.37%86.99%89.05%90.40%95.18%92.98%89.83%+78 bps
Liquid Assets / Assets6.16%6.35%8.56%9.30%6.51%5.55%8.55%10.75%+145 bps
CRE / Total Capitaln/an/an/an/a146.05%145.89%142.59%n/an/a