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Progressive Ozark Bank

Salem, MO · Cert 31488 · Ozark Bcorp Inc.

State charter, Fed member · FED · 6 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

29

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

Progressive Ozark Bank

Salem, MO · Cert 31488 · Ozark Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$190.9MAssets
$156.0MLoans
$170.7MDeposits
$18.4MEquity
Loan mix
90%RE $137.1M5%C&I $7.0M6%Consumer $8.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $132.4M22%Noninterest $38.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.81%, up 20 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.03% of loans (-178 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.78%, up 29 bps from a year ago.
  • Funding: loans stand at 91.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.81%+20 bps YoY

Net Interest Margin (YTD, annualized)

5.17%+24 bps YoY

Efficiency Ratio (YTD, annualized)

65.09%+71 bps YoY

Tier 1 Leverage Ratio

9.78%+29 bps YoY

NIM

5.59%Q2 ’245.89%Q2 ’256.05%Q2 ’26+9%+5%

Non-interest income vs. expense

3.75%Q2 ’243.87%Q2 ’253.93%Q2 ’26+6%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.61%1.60%1.61%1.56%1.54%1.67%1.81%+20 bps
Return on Equity17.55%17.44%17.13%17.35%16.85%16.62%17.68%18.99%+164 bps
Net Interest Margin4.74%4.81%4.90%4.94%4.92%4.93%5.10%5.17%+24 bps
Efficiency Ratio64.92%64.88%65.55%64.38%64.18%63.65%64.52%65.09%+71 bps
Non-Interest Burden2.66%2.71%2.85%2.79%2.78%2.76%2.96%3.07%+27 bps
Growth
Asset Growth (YoY)2.73%5.13%3.33%9.21%12.51%8.26%6.02%2.28%-693 bps
Loan Growth (YoY)0.42%2.55%5.86%5.69%5.47%3.21%3.05%1.07%-462 bps
Deposit Growth (YoY)6.14%3.12%4.34%9.39%13.85%12.20%5.71%1.64%-776 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.51%1.87%1.81%1.76%1.99%1.83%0.03%-178 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.02%0.04%0.04%0.02%0.02%0 bps
Allowance / Loans0.91%0.92%0.91%0.97%1.06%1.20%1.19%1.09%+11 bps
Allowance Coverage of NPLs13.2x1.8x0.5x0.5x0.6x0.6x0.7x42.5x+41.9x
Capital
Tier 1 Leverage Ratio9.74%9.67%9.63%9.49%9.37%9.38%9.64%9.78%+29 bps
Total Risk-Based Capital13.94%13.63%13.79%13.78%13.96%14.00%14.48%14.69%+91 bps
Equity / Assets9.60%9.25%9.43%9.16%9.19%9.36%9.57%9.64%+47 bps
Liquidity & Funding
Loans / Deposits98.81%101.24%96.63%91.93%91.54%93.13%94.20%91.42%-51 bps
Liquid Assets / Assets1.47%1.88%2.88%6.62%7.82%5.85%4.87%5.65%-97 bps
CRE / Total Capitaln/an/an/an/a149.10%148.91%155.13%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

Progressive Ozark Bank

Salem, MO · Cert 31488 · Peer group: banks under $1B in assets in MO (n=82-83) · Ozark Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$190.9MAssets
$156.0MLoans
$170.7MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in MO (rank 3 of 83).
  • Widest gap: efficiency ratio trails 71% of banks under $1B in assets in MO (rank 60 of 83).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.80%

Rank 18 of 83

Net Interest Margin

5.17%

Rank 3 of 83

Efficiency Ratio

65.09%

Rank 60 of 83

Equity / Assets

9.64%

Rank 51 of 83

Non-interest income vs. expense

$1.6M$7.5MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 29% of banks under $1B in assets in MO
Bank 65.09%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%0.96%1.32%1.75%Beats 78%18 / 83
Return on Equity18.63%9.66%12.96%15.76%Beats 89%9 / 83
Net Interest Margin5.17%3.35%3.85%4.16%Beats 96%3 / 83
Efficiency Ratio65.09%49.83%58.83%68.51%Beats 29%60 / 83
Asset Quality
Nonperforming Loans / Loans0.03%0.08%0.51%1.01%Beats 84%14 / 82
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 43%48 / 82
Capital
Tier 1 Capital Ratio13.45%11.01%12.49%14.98%Beats 58%35 / 83
Total Risk-Based Capital Ratio14.69%11.13%13.01%15.10%Beats 67%27 / 83
Equity / Assets9.64%8.83%10.71%13.29%Beats 39%51 / 83
Liquidity & Funding
Loans / Deposits91.42%69.28%83.22%91.21%76th pctl20 / 82
Loans / Assets81.73%59.34%71.15%78.36%87th pctl11 / 83
Brokered Deposits / Depositsn/aNot reported for this institution