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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

5.62%Q2 ’246.03%Q2 ’256.12%Q2 ’26+10%+6%

Non-interest income vs. expense

3.08%Q2 ’243.06%Q2 ’253.21%Q2 ’260%0%

Executive Summary

  • Earnings: ROA of 1.45%, up 10 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.60% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.45%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.38%+25 bps YoY

Efficiency Ratio (quarter, annualized)

61.00%-202 bps YoY

Tier 1 Leverage Ratio

9.20%+7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.55%1.59%1.45%1.45%+10 bps
Return on Equity15.09%17.13%17.73%16.21%16.08%+98 bps
Net Interest Margin4.12%4.26%4.34%4.30%4.38%+25 bps
Efficiency Ratio63.02%60.80%58.73%62.24%61.00%-202 bps
Non-Interest Burden2.34%2.26%2.24%2.33%2.33%-1 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%0.00%-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