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Branson Bank

Branson, MO · Cert 35420 · Branson Bancshares Inc.

State charter, non-member · FDIC · 5 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

40

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

Branson Bank

Branson, MO · Cert 35420 · Branson Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$414.1MAssets
$359.1MLoans
$372.9MDeposits
$37.5MEquity
Loan mix
91%RE $316.9M4%C&I $15.4M5%Consumer $17.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $289.0M23%Noninterest $84.0MQ2 2025Q2 2026

NIM

5.51%Q2 ’245.83%Q2 ’256.04%Q2 ’26+7%+8%

Non-interest income vs. expense

3.06%Q2 ’243.01%Q2 ’253.20%Q2 ’26-7%+5%

Executive Summary

  • Earnings: ROA of 1.45%, up 13 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.60% of loans (-11 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.20%, up 7 bps from a year ago.
  • Funding: loans stand at 96.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+32 bps YoY

Efficiency Ratio (YTD, annualized)

61.61%-107 bps YoY

Tier 1 Leverage Ratio

9.20%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.40%1.45%1.45%1.45%+13 bps
Return on Equity14.69%15.52%16.09%16.21%16.14%+146 bps
Net Interest Margin3.99%4.01%4.01%4.30%4.31%+32 bps
Efficiency Ratio62.69%62.02%61.14%62.24%61.61%-107 bps
Non-Interest Burden2.21%2.19%2.16%2.33%2.31%+10 bps
Growth
Asset Growth (YoY)6.78%5.00%10.69%8.81%7.76%+98 bps
Loan Growth (YoY)10.45%8.33%7.03%7.93%7.26%-319 bps
Deposit Growth (YoY)7.89%5.78%10.92%8.85%7.92%+3 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.72%0.66%0.63%0.60%-11 bps
Net Charge-Offs / Loans0.01%0.00%0.01%-0.01%-0.01%-1 bps
Allowance / Loans1.14%1.16%1.18%1.16%1.19%+5 bps
Allowance Coverage of NPLs1.6x1.6x1.8x1.8x2.0x+0.4x
Capital
Tier 1 Leverage Ratio9.13%9.10%9.06%9.17%9.20%+7 bps
Total Risk-Based Capital12.41%12.76%12.19%12.24%12.49%+8 bps
Equity / Assets8.98%9.07%8.92%9.00%9.07%+8 bps
Liquidity & Funding
Loans / Deposits96.87%96.06%93.60%95.87%96.28%-59 bps
Liquid Assets / Assets3.48%4.15%5.62%5.84%4.20%+72 bps
CRE / Total Capitaln/a428%417%420%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

Branson Bank

Branson, MO · Cert 35420 · Peer group: banks under $1B in assets in MO (n=82-83) · Branson Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$414.1MAssets
$359.1MLoans
$372.9MDeposits
$37.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 85% of banks under $1B in assets in MO (rank 13 of 82).
  • Widest gap: tier 1 capital ratio trails 70% of banks under $1B in assets in MO (rank 58 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.44%

Rank 34 of 83

Net Interest Margin

4.31%

Rank 17 of 83

Efficiency Ratio

61.61%

Rank 51 of 83

Equity / Assets

9.07%

Rank 57 of 83

Non-interest income vs. expense

$3.6M$13.1MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 40% of banks under $1B in assets in MO
Bank 61.61%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.96%1.32%1.75%Beats 59%34 / 83
Return on Equity15.86%9.66%12.96%15.76%Beats 76%20 / 83
Net Interest Margin4.31%3.35%3.85%4.16%Beats 80%17 / 83
Efficiency Ratio61.61%49.83%58.83%68.51%Beats 40%51 / 83
Asset Quality
Nonperforming Loans / Loans0.60%0.08%0.51%1.01%Beats 46%45 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 85%13 / 82
Capital
Tier 1 Capital Ratio11.24%11.01%12.49%14.98%Beats 30%58 / 83
Total Risk-Based Capital Ratio12.49%11.13%13.01%15.10%Beats 43%47 / 83
Equity / Assets9.07%8.83%10.71%13.29%Beats 31%57 / 83
Liquidity & Funding
Loans / Deposits96.28%69.28%83.22%91.21%84th pctl13 / 82
Loans / Assets86.70%59.34%71.15%78.36%95th pctl4 / 83
Brokered Deposits / Depositsn/aNot reported for this institution