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HNB National Bank

Hannibal, MO · Cert 4540 · R Dean Phillips Bk Tr Dated 11-19-2004

National charter · OCC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

89

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

HNB National Bank

Hannibal, MO · Cert 4540 · R Dean Phillips Bk Tr Dated 11-19-2004

National charter · OCC · 6 affiliate banks · 17 branches (43 in holding)

Q2 2026

$1.3BAssets
$872.2MLoans
$1.2BDeposits
$143.8MEquity
Loan mix
91%RE $540.6M8%C&I $45.7M1%Consumer $7.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $965.5M17%Noninterest $197.5MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.36%Q2 ’254.66%Q2 ’26+3%-6%

Non-interest income vs. expense

2.40%Q2 ’242.00%Q2 ’251.82%Q2 ’26-22%-9%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #39 of 114 inst. · $0.3B of $99.1B

5.0% Clay
30.2% Marion
72.9% Ralls
25.8% Pike

Executive Summary

  • Earnings: ROA of 2.09%, up 21 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.06% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, down 190 bps from a year ago.
  • Funding: loans stand at 75.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.09%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-22 bps YoY

Efficiency Ratio (YTD, annualized)

41.77%-151 bps YoY

Tier 1 Leverage Ratio

9.72%-190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.92%1.94%2.01%2.09%+21 bps
Return on Equity16.98%17.02%17.01%16.58%17.91%+93 bps
Net Interest Margin3.70%3.76%3.80%3.98%3.47%-22 bps
Efficiency Ratio43.28%42.95%42.53%42.25%41.77%-151 bps
Non-Interest Burden1.29%1.29%1.29%1.32%1.18%-12 bps
Growth
Asset Growth (YoY)7.39%4.64%5.12%3.26%36.77%+2,938 bps
Loan Growth (YoY)3.79%2.49%6.41%5.99%36.60%+3,281 bps
Deposit Growth (YoY)9.13%6.02%6.46%4.02%38.68%+2,955 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.06%0.06%0.04%0.06%-13 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.01%0.00%-3 bps
Allowance / Loans1.09%1.07%1.05%1.08%1.14%+5 bps
Allowance Coverage of NPLs5.9x19.1x16.5x24.7x20.0x+14.0x
Capital
Tier 1 Leverage Ratio11.62%11.97%12.11%12.60%9.72%-190 bps
Total Risk-Based Capital11.62%11.97%12.11%12.60%9.72%-190 bps
Equity / Assets11.26%11.90%12.02%12.22%10.94%-32 bps
Liquidity & Funding
Loans / Deposits76.14%77.56%81.36%78.67%75.00%-114 bps
Liquid Assets / Assets7.65%4.92%2.20%6.93%5.57%-207 bps
CRE / Total Capitaln/a191.62%197.15%191.89%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

HNB National Bank

Hannibal, MO · Cert 4540 · Peer group: banks $1B-$10B in assets (n=322-328) · R Dean Phillips Bk Tr Dated 11-19-2004

National charter · OCC · 6 affiliate banks · 17 branches (43 in holding)

Q2 2026

$1.3BAssets
$872.2MLoans
$1.2BDeposits
$143.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets (rank 32 of 322).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 322 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.73%

Rank 50 of 328

Net Interest Margin

3.47%

Rank 160 of 328

Efficiency Ratio

44.99%

Rank 37 of 328

Equity / Assets

10.94%

Rank 132 of 328

Non-interest income vs. expense

$8.5M$24.0MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 89% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.91%1.22%1.52%Beats 85%50 / 328
Return on Equity15.85%8.43%11.45%14.43%Beats 85%49 / 328
Net Interest Margin3.47%3.03%3.45%3.83%Beats 51%160 / 328
Efficiency Ratio44.99%51.61%59.56%67.53%Beats 89%37 / 328
Asset Quality
Nonperforming Loans / Loans0.06%0.24%0.51%1.03%Beats 90%32 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 78%71 / 322
Capital
Tier 1 Capital Ratio9.72%11.75%13.15%15.47%Beats 2%321 / 328
Total Risk-Based Capital Ratio9.72%12.63%14.15%16.46%Beats 2%322 / 328
Equity / Assets10.94%9.15%10.33%12.01%Beats 60%132 / 328
Liquidity & Funding
Loans / Deposits75.00%76.63%87.92%95.36%23rd pctl249 / 323
Loans / Assets66.36%65.18%74.15%79.98%27th pctl239 / 328
Brokered Deposits / Depositsn/aNot reported for this institution