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Commercial Bank

Saint Louis, MO · Cert 27409 · Commercial Bancshares Inc.

State charter, non-member · FDIC · 4 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

20

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

Commercial Bank

Saint Louis, MO · Cert 27409 · Commercial Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$282.9MAssets
$198.2MLoans
$246.5MDeposits
$15.4MEquity
Loan mix
77%RE $143.2M21%C&I $38.9M2%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $189.4M23%Noninterest $57.1MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.46%Q2 ’254.74%Q2 ’26+23%+10%

Non-interest income vs. expense

2.59%Q2 ’242.81%Q2 ’252.82%Q2 ’26+31%-1%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #63 of 111 inst. · $0.2B of $141.7B

Executive Summary

  • Earnings: ROA of 0.46%, up 18 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 1.00% of loans (+27 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 7.93%, up 20 bps from a year ago.
  • Funding: loans stand at 80.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+30 bps YoY

Efficiency Ratio (YTD, annualized)

80.28%-802 bps YoY

Tier 1 Leverage Ratio

7.93%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.34%0.37%0.39%0.46%+18 bps
Return on Equity6.41%7.43%7.71%7.15%8.51%+210 bps
Net Interest Margin2.92%3.01%3.10%3.11%3.22%+30 bps
Efficiency Ratio88.30%86.25%84.68%81.84%80.28%-802 bps
Non-Interest Burden2.55%2.56%2.58%2.48%2.52%-2 bps
Growth
Asset Growth (YoY)1.45%-2.31%2.85%-1.15%-0.87%-232 bps
Loan Growth (YoY)7.27%5.97%10.70%6.25%10.34%+307 bps
Deposit Growth (YoY)-1.51%-3.65%0.17%-3.43%-1.49%+2 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.68%0.98%1.00%1.00%+27 bps
Net Charge-Offs / Loans0.09%0.01%0.00%0.25%0.16%+7 bps
Allowance / Loans1.15%1.20%1.20%1.16%1.14%-1 bps
Allowance Coverage of NPLs1.6x1.8x1.2x1.2x1.1x-0.4x
Capital
Tier 1 Leverage Ratio7.73%7.87%7.89%7.95%7.93%+20 bps
Total Risk-Based Capital11.74%12.07%11.94%12.03%11.95%+21 bps
Equity / Assets4.65%5.23%5.44%5.48%5.45%+80 bps
Liquidity & Funding
Loans / Deposits71.79%73.95%77.35%78.21%80.41%+862 bps
Liquid Assets / Assets4.76%2.11%2.53%2.60%2.34%-242 bps
CRE / Total Capitaln/a375%394%384%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

Commercial Bank

Saint Louis, MO · Cert 27409 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Commercial Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$282.9MAssets
$198.2MLoans
$246.5MDeposits
$15.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 45% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 40).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.46%

Rank 33 of 40

Net Interest Margin

3.22%

Rank 22 of 40

Efficiency Ratio

80.28%

Rank 33 of 40

Equity / Assets

5.45%

Rank 40 of 40

Non-interest income vs. expense

$0.9M$8.2MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 20% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 80.28%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.64%1.04%1.26%Beats 18%33 / 40
Return on Equity8.41%6.25%9.97%13.41%Beats 38%25 / 40
Net Interest Margin3.22%3.09%3.22%3.62%Beats 45%22 / 40
Efficiency Ratio80.28%57.08%64.37%75.86%Beats 20%33 / 40
Asset Quality
Nonperforming Loans / Loans1.00%0.14%0.62%1.92%Beats 42%23 / 38
Net Charge-Offs / Loans0.11%0.00%0.01%0.09%Beats 18%32 / 38
Capital
Tier 1 Capital Ratio10.86%10.29%12.88%15.77%Beats 33%27 / 40
Total Risk-Based Capital Ratio11.95%10.64%13.30%17.01%Beats 38%25 / 40
Equity / Assets5.45%8.59%9.46%12.46%Beats 0%40 / 40
Liquidity & Funding
Loans / Deposits80.41%66.12%79.48%94.60%53rd pctl19 / 40
Loans / Assets70.05%54.69%68.52%77.46%57th pctl17 / 40
Brokered Deposits / Depositsn/aNot reported for this institution