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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