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First Community Bank of Taney County

Branson, MO · Cert 33832

FDIC · 3 branches

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=89 to 90). 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

16

Q2 2024Q3 2024peer median (50)

Asset Quality

66

Q2 2024Q3 2024peer median (50)

Profitability

20

Q2 2024Q3 2024peer median (50)

Liquidity

38

Q2 2024Q3 2024peer median

Efficiency

24

Q2 2024Q3 2024peer 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

First Community Bank of Taney County

Branson, MO · Cert 33832

FDIC · 3 branches

Q3 2024

$192.8MAssets
$147.5MLoans
$155.3MDeposits
$11.1MEquity
Loan mix
89%RE $114.9M9%C&I $11.0M2%Consumer $2.5MQ3 2023Q3 2024
Deposit mix
87%Interest-bearing $135.8M13%Noninterest $19.5MQ3 2023Q3 2024

NIM

3.80%Q3 ’224.41%Q3 ’235.47%Q3 ’24-27%+4%

Non-interest income vs. expense

2.43%Q3 ’222.38%Q3 ’232.15%Q3 ’24-9%-3%

Executive Summary

  • Earnings: ROA of 0.50%, up 14 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.16% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.62%, down 112 bps from a year ago.
  • Funding: loans stand at 94.99% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

0.50%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+11 bps YoY

Efficiency Ratio (YTD, annualized)

75.76%-618 bps YoY

Tier 1 Leverage Ratio

7.62%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.37%0.31%0.36%0.42%0.50%+14 bps
Return on Equity6.60%5.60%6.69%7.96%9.30%+270 bps
Net Interest Margin2.40%2.33%2.53%2.55%2.50%+11 bps
Efficiency Ratio81.94%84.68%81.43%79.08%75.76%-618 bps
Non-Interest Burden1.88%1.91%2.01%1.95%1.82%-6 bps
Growth
Asset Growth (YoY)11.78%15.12%23.97%29.45%20.80%+902 bps
Loan Growth (YoY)15.64%25.19%29.77%34.27%28.29%+1,265 bps
Deposit Growth (YoY)2.96%6.21%32.21%31.69%23.14%+2,018 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.03%0.03%0.16%+12 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.01%0.00%+2 bps
Allowance / Loans1.12%1.02%0.97%0.94%0.94%-18 bps
Allowance Coverage of NPLs31.5x33.2x30.9x36.5x6.0x-25.5x
Capital
Tier 1 Leverage Ratio8.74%8.40%7.73%7.69%7.62%-112 bps
Total Risk-Based Capital13.76%12.25%12.01%11.49%11.54%-221 bps
Equity / Assets5.12%5.65%5.24%5.07%5.75%+62 bps
Liquidity & Funding
Loans / Deposits91.18%91.85%92.63%93.94%94.99%+381 bps
Liquid Assets / Assets1.48%1.37%1.31%1.36%1.65%+16 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 2026-10-11

First Community Bank of Taney County

Branson, MO · Cert 33832 · Peer group: banks under $1B in assets in MO (n=89-90)

FDIC · 3 branches

Q3 2024

$192.8MAssets
$147.5MLoans
$155.3MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 69% of banks under $1B in assets in MO (rank 29 of 89).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in MO (rank 88 of 90).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.49%

Rank 77 of 90

Net Interest Margin

2.50%

Rank 77 of 90

Efficiency Ratio

75.96%

Rank 69 of 90

Equity / Assets

5.75%

Rank 88 of 90

Non-interest income vs. expense

$0.6M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 24% of banks under $1B in assets in MO
Bank 75.96%Peer median 64.9%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.66%0.99%1.40%Beats 14%77 / 90
Return on Equity8.47%6.84%10.42%13.97%Beats 33%60 / 90
Net Interest Margin2.50%2.89%3.42%3.86%Beats 14%77 / 90
Efficiency Ratio75.96%56.36%64.92%74.62%Beats 24%69 / 90
Asset Quality
Nonperforming Loans / Loans0.16%0.10%0.40%0.90%Beats 63%34 / 89
Net Charge-Offs / Loans0.01%0.01%0.03%0.08%Beats 69%29 / 89
Capital
Tier 1 Capital Ratio10.54%11.03%12.72%14.84%Beats 17%75 / 90
Total Risk-Based Capital Ratio11.54%11.46%13.08%15.63%Beats 28%65 / 90
Equity / Assets5.75%8.13%9.97%12.44%Beats 2%88 / 90
Liquidity & Funding
Loans / Deposits94.99%68.33%80.26%90.12%80th pctl18 / 89
Loans / Assets76.51%58.49%69.09%77.44%71st pctl26 / 89
Brokered Deposits / Depositsn/aNot reported for this institution