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New Frontier Bank

Saint Charles, MO · Cert 35597 · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 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 the St. Louis, MO-IL area3

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 the St. Louis, MO-IL area (n=38 to 40). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

37

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

New Frontier Bank

Saint Charles, MO · Cert 35597 · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)

Q2 2026

$175.7MAssets
$134.6MLoans
$158.9MDeposits
$16.0MEquity
Loan mix
86%RE $109.9M10%C&I $13.1M3%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $128.7M19%Noninterest $30.1MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.36%Q2 ’255.41%Q2 ’26+1%+6%

Non-interest income vs. expense

2.62%Q2 ’242.70%Q2 ’252.45%Q2 ’26+3%-10%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #72 of 111 inst. · $0.2B of $141.7B

Executive Summary

  • Earnings: ROA of 0.80%, up 31 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.25%, down 14 bps from a year ago.
  • Funding: loans stand at 84.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+18 bps YoY

Efficiency Ratio (YTD, annualized)

68.67%-1,124 bps YoY

Tier 1 Leverage Ratio

9.25%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.57%0.60%0.81%0.80%+31 bps
Return on Equity5.69%6.50%6.76%9.07%8.96%+327 bps
Net Interest Margin3.18%3.27%3.23%3.33%3.37%+18 bps
Efficiency Ratio79.91%77.00%76.52%69.24%68.67%-1,124 bps
Non-Interest Burden2.54%2.52%2.47%2.29%2.29%-26 bps
Growth
Asset Growth (YoY)10.66%3.06%1.33%5.35%6.60%-406 bps
Loan Growth (YoY)6.93%11.42%12.04%9.35%18.16%+1,123 bps
Deposit Growth (YoY)10.94%2.68%0.53%5.17%6.69%-426 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%-0.02%-0.03%-3 bps
Allowance / Loans0.96%0.90%0.88%0.89%0.92%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.40%9.44%9.21%9.21%9.25%-14 bps
Total Risk-Based Capital12.02%11.24%10.95%11.01%9.25%-277 bps
Equity / Assets9.11%9.17%9.16%8.65%9.08%-3 bps
Liquidity & Funding
Loans / Deposits76.51%82.58%82.87%78.24%84.74%+823 bps
Liquid Assets / Assets8.28%3.84%2.57%8.30%3.78%-450 bps
CRE / Total Capitaln/a520%532%539%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

New Frontier Bank

Saint Charles, MO · Cert 35597 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)

Q2 2026

$175.7MAssets
$134.6MLoans
$158.9MDeposits
$16.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 2 of 38).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 27 of 40

Net Interest Margin

3.37%

Rank 16 of 40

Efficiency Ratio

69.64%

Rank 26 of 40

Equity / Assets

9.08%

Rank 26 of 40

Non-interest income vs. expense

$0.3M$4.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 37% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.64%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.64%1.04%1.26%Beats 33%27 / 40
Return on Equity8.84%6.25%9.97%13.41%Beats 43%23 / 40
Net Interest Margin3.37%3.09%3.22%3.62%Beats 60%16 / 40
Efficiency Ratio69.64%57.08%64.37%75.86%Beats 37%26 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.62%1.92%Beats 100%2 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 74%11 / 38
Capital
Tier 1 Capital Ratio9.25%10.29%12.88%15.77%Beats 0%40 / 40
Total Risk-Based Capital Ratio9.25%10.64%13.30%17.01%Beats 0%40 / 40
Equity / Assets9.08%8.59%9.46%12.46%Beats 35%26 / 40
Liquidity & Funding
Loans / Deposits84.74%66.12%79.48%94.60%60th pctl16 / 40
Loans / Assets76.61%54.69%68.52%77.46%73rd pctl11 / 40
Brokered Deposits / Depositsn/aNot reported for this institution