PackageTrendsPeer
Letter portraitLegal landscape

Clay County Savings Bank

Liberty, MO · Cert 29764

FDIC · 3 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 Kansas City, MO-KS area (n=41 to 42). 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

74

Q2 2024Q2 2025peer median (50)

Asset Quality

65

Q2 2024Q2 2025peer median (50)

Profitability

1

Q2 2024Q2 2025peer median (50)

Liquidity

79

Q2 2024Q2 2025peer median

Efficiency

40

Q2 2024Q2 2025peer 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 2026-10-10

Clay County Savings Bank

Liberty, MO · Cert 29764

FDIC · 3 branches

Q2 2025

$141.6MAssets
$85.5MLoans
$114.7MDeposits
$19.0MEquity
Loan mix
98%RE $58.7M2%C&I $1.2M0%Consumer $0.3MQ2 2024Q2 2025
Deposit mix
82%Interest-bearing $94.0M18%Noninterest $20.6MQ2 2024Q2 2025

NIM

3.58%Q2 ’233.92%Q2 ’242.66%Q2 ’25-2%-16%

Non-interest income vs. expense

3.00%Q2 ’232.70%Q2 ’241.32%Q2 ’25-14%-47%

Market Position · Kansas City, MO-KS · 2025 SOD (annual) · 0.1% share · #69 of 116 inst. · $0.1B of $99.6B

Executive Summary

  • Earnings: ROA of -0.88%, down 82 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.89% of loans (+82 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.85%, up 291 bps from a year ago.
  • Funding: loans stand at 74.61% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.88%-82 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-39 bps YoY

Efficiency Ratio (YTD, annualized)

55.47%-3,959 bps YoY

Tier 1 Leverage Ratio

10.85%+291 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.05%-0.32%-0.18%-0.64%-0.88%-82 bps
Return on Equity-0.75%-4.53%-2.58%-8.67%-9.29%-854 bps
Net Interest Margin2.46%2.61%2.73%2.93%2.07%-39 bps
Efficiency Ratio95.06%92.53%90.14%120.05%55.47%-3,959 bps
Non-Interest Burden2.31%2.39%2.43%3.56%1.22%-110 bps
Growth
Asset Growth (YoY)-12.95%-9.03%-8.71%-8.55%-4.10%+885 bps
Loan Growth (YoY)-2.15%-4.54%-8.92%-8.45%-11.07%-892 bps
Deposit Growth (YoY)-19.05%-3.51%-1.56%1.51%-2.41%+1,664 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.19%0.07%0.07%0.89%+82 bps
Net Charge-Offs / Loans0.26%0.17%0.13%-0.14%-0.02%-27 bps
Allowance / Loans1.04%1.04%1.09%1.13%1.53%+49 bps
Allowance Coverage of NPLs15.1x5.4x15.2x15.7x1.7x-13.4x
Capital
Tier 1 Leverage Ratio7.94%7.98%7.94%7.92%10.85%+291 bps
Total Risk-Based Capital14.65%14.52%15.10%14.98%19.63%+497 bps
Equity / Assets6.92%7.62%7.36%7.45%13.40%+648 bps
Liquidity & Funding
Loans / Deposits81.87%83.57%81.28%78.35%74.61%-726 bps
Liquid Assets / Assets9.53%8.06%11.13%12.66%12.16%+263 bps
CRE / Total Capitaln/an/an/an/an/an/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 2026-10-10

Clay County Savings Bank

Liberty, MO · Cert 29764 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=41-42)

FDIC · 3 branches

Q2 2025

$141.6MAssets
$85.5MLoans
$114.7MDeposits
$19.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 16 of 41).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 42 of 42).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.86%

Rank 41 of 42

Net Interest Margin

2.07%

Rank 42 of 42

Efficiency Ratio

62.64%

Rank 26 of 42

Equity / Assets

13.40%

Rank 8 of 42

Non-interest income vs. expense

$0.1M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 40% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 62.64%Peer median 59.5%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.86%0.82%1.29%1.71%Beats 2%41 / 42
Return on Equity-6.44%8.20%14.11%21.29%Beats 2%41 / 42
Net Interest Margin2.07%3.00%3.86%4.47%Beats 0%42 / 42
Efficiency Ratio62.64%50.93%59.48%70.51%Beats 40%26 / 42
Asset Quality
Nonperforming Loans / Loans0.89%0.04%0.25%0.92%Beats 29%30 / 41
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%16 / 41
Capital
Tier 1 Capital Ratio18.37%10.91%13.42%18.69%Beats 69%13 / 42
Total Risk-Based Capital Ratio19.63%11.32%14.38%19.92%Beats 71%12 / 42
Equity / Assets13.40%8.56%10.12%11.73%Beats 81%8 / 42
Liquidity & Funding
Loans / Deposits74.61%67.43%82.66%90.95%36th pctl27 / 42
Loans / Assets60.41%60.44%67.92%79.90%22nd pctl32 / 41
Brokered Deposits / Depositsn/aNot reported for this institution