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Investors Community Bank

Chillicothe, MO · Cert 29093 · Grey Mountain Holdings Inc.

State charter, Fed member · FED · 2 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

22

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

Investors Community Bank

Chillicothe, MO · Cert 29093 · Grey Mountain Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$98.5MAssets
$51.7MLoans
$87.1MDeposits
$11.0MEquity
Loan mix
51%RE $27.1M43%C&I $23.2M6%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $76.9M12%Noninterest $10.2MQ2 2025Q2 2026

NIM

4.05%Q2 ’244.56%Q2 ’254.92%Q2 ’26+24%+15%

Non-interest income vs. expense

1.76%Q2 ’241.85%Q2 ’252.31%Q2 ’26+6%+25%

Market Position · Columbia, MO · 2026 SOD (annual) · 0.1% share · #29 of 29 inst. · $0.0B of $6.7B

14.6% Livingston
0.1% Boone

Executive Summary

  • Earnings: ROA of 0.73%, down 11 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.62% of loans (-14 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.13%, down 7 bps from a year ago.
  • Funding: loans stand at 59.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+42 bps YoY

Efficiency Ratio (YTD, annualized)

70.41%+503 bps YoY

Tier 1 Leverage Ratio

11.13%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.79%0.80%0.85%0.73%-11 bps
Return on Equity8.40%8.03%8.14%8.47%7.06%-134 bps
Net Interest Margin2.72%2.69%2.65%3.01%3.13%+42 bps
Efficiency Ratio65.39%65.54%61.57%64.62%70.41%+503 bps
Non-Interest Burden1.70%1.69%1.56%1.87%2.12%+43 bps
Growth
Asset Growth (YoY)0.87%21.10%18.38%9.04%3.39%+252 bps
Loan Growth (YoY)11.21%6.95%21.20%18.42%11.31%+10 bps
Deposit Growth (YoY)-1.18%34.88%23.12%8.38%13.90%+1,508 bps
Asset Quality
Nonperforming Loans / Loans0.76%0.42%0.73%0.58%0.62%-14 bps
Net Charge-Offs / Loans0.03%0.06%0.07%0.00%0.02%-1 bps
Allowance / Loans1.32%1.28%1.29%1.31%1.36%+4 bps
Allowance Coverage of NPLs1.7x3.0x1.8x2.3x2.2x+0.5x
Capital
Tier 1 Leverage Ratio11.20%11.14%10.37%10.37%11.13%-7 bps
Total Risk-Based Capital11.20%11.14%10.37%10.37%11.13%-7 bps
Equity / Assets10.49%9.39%9.53%10.47%11.20%+71 bps
Liquidity & Funding
Loans / Deposits60.70%45.17%52.96%59.34%59.32%-138 bps
Liquid Assets / Assets1.09%18.62%11.81%4.88%3.97%+288 bps
CRE / Total Capitaln/a90.67%83.55%84.40%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

Investors Community Bank

Chillicothe, MO · Cert 29093 · Peer group: banks under $1B in assets in MO (n=82-83) · Grey Mountain Holdings Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$98.5MAssets
$51.7MLoans
$87.1MDeposits
$11.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 64% of banks under $1B in assets in MO (rank 30 of 83).
  • Widest gap: return on assets trails 87% of banks under $1B in assets in MO (rank 72 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.78%

Rank 72 of 83

Net Interest Margin

3.13%

Rank 71 of 83

Efficiency Ratio

70.41%

Rank 66 of 83

Equity / Assets

11.20%

Rank 30 of 83

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in MO
Bank 70.41%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.78%0.96%1.32%1.75%Beats 13%72 / 83
Return on Equity6.95%9.66%12.96%15.76%Beats 14%71 / 83
Net Interest Margin3.13%3.35%3.85%4.16%Beats 14%71 / 83
Efficiency Ratio70.41%49.83%58.83%68.51%Beats 22%66 / 83
Asset Quality
Nonperforming Loans / Loans0.62%0.08%0.51%1.01%Beats 43%48 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 61%34 / 82
Capital
Tier 1 Capital Ratio11.13%11.01%12.49%14.98%Beats 29%59 / 83
Total Risk-Based Capital Ratio11.13%11.13%13.01%15.10%Beats 24%63 / 83
Equity / Assets11.20%8.83%10.71%13.29%Beats 64%30 / 83
Liquidity & Funding
Loans / Deposits59.32%69.28%83.22%91.21%11th pctl73 / 82
Loans / Assets52.48%59.34%71.15%78.36%13th pctl72 / 83
Brokered Deposits / Depositsn/aNot reported for this institution