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Community Bank of Memphis

Memphis, MO · Cert 35094 · Clark County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

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 2026-10-10

Community Bank of Memphis

Memphis, MO · Cert 35094 · Clark County Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$63.7MAssets
$24.7MLoans
$55.0MDeposits
$8.5MEquity
Loan mix
84%RE $18.3M9%C&I $1.9M8%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $41.4M25%Noninterest $13.7MQ2 2025Q2 2026

NIM

3.75%Q2 ’243.99%Q2 ’254.27%Q2 ’260%+9%

Non-interest income vs. expense

2.05%Q2 ’241.74%Q2 ’251.75%Q2 ’26-13%+1%

Executive Summary

  • Earnings: ROA of 1.08%, up 17 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.39%, down 21 bps from a year ago.
  • Funding: loans stand at 44.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+25 bps YoY

Efficiency Ratio (YTD, annualized)

55.34%-418 bps YoY

Tier 1 Leverage Ratio

12.39%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.03%1.09%1.03%1.08%+17 bps
Return on Equity6.79%7.65%8.16%7.64%8.04%+125 bps
Net Interest Margin2.84%2.97%2.97%3.12%3.09%+25 bps
Efficiency Ratio59.52%56.39%54.80%56.34%55.34%-418 bps
Non-Interest Burden1.62%1.60%1.55%1.69%1.65%+2 bps
Growth
Asset Growth (YoY)18.44%18.31%18.93%1.83%7.41%-1,102 bps
Loan Growth (YoY)-6.77%1.40%-4.28%-7.58%-6.96%-19 bps
Deposit Growth (YoY)19.57%19.69%19.77%0.74%7.46%-1,211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans2.72%2.63%2.86%2.99%3.05%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.61%12.84%12.65%12.57%12.39%-21 bps
Total Risk-Based Capital12.61%12.84%12.65%12.57%12.39%-21 bps
Equity / Assets13.33%13.71%13.34%13.49%13.29%-3 bps
Liquidity & Funding
Loans / Deposits51.82%54.05%47.10%47.05%44.86%-696 bps
Liquid Assets / Assets20.22%20.46%21.50%26.08%18.25%-197 bps
CRE / Total Capitaln/a42.32%41.57%44.04%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 2026-10-10

Community Bank of Memphis

Memphis, MO · Cert 35094 · Peer group: banks under $1B in assets in MO (n=82-83) · Clark County Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$63.7MAssets
$24.7MLoans
$55.0MDeposits
$8.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets in MO (rank 72 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 57 of 83

Net Interest Margin

3.09%

Rank 72 of 83

Efficiency Ratio

55.34%

Rank 35 of 83

Equity / Assets

13.29%

Rank 21 of 83

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 59% of banks under $1B in assets in MO
Bank 55.34%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.96%1.32%1.75%Beats 31%57 / 83
Return on Equity7.98%9.66%12.96%15.76%Beats 18%68 / 83
Net Interest Margin3.09%3.35%3.85%4.16%Beats 13%72 / 83
Efficiency Ratio55.34%49.83%58.83%68.51%Beats 59%35 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio12.39%11.01%12.49%14.98%Beats 47%44 / 83
Total Risk-Based Capital Ratio12.39%11.13%13.01%15.10%Beats 41%49 / 83
Equity / Assets13.29%8.83%10.71%13.29%Beats 75%21 / 83
Liquidity & Funding
Loans / Deposits44.86%69.28%83.22%91.21%2nd pctl80 / 82
Loans / Assets38.76%59.34%71.15%78.36%4th pctl80 / 83
Brokered Deposits / Depositsn/aNot reported for this institution