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TPNB Bank

Paris, MO · Cert 4556 · Paris Bancshares Inc.

State charter, Fed member · FED · 2 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

34

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

TPNB Bank

Paris, MO · Cert 4556 · Paris Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$112.0MAssets
$66.4MLoans
$94.1MDeposits
$15.3MEquity
Loan mix
84%RE $51.4M10%C&I $6.1M6%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $69.0M27%Noninterest $25.1MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.08%Q2 ’254.85%Q2 ’26+6%+28%

Non-interest income vs. expense

2.18%Q2 ’241.92%Q2 ’252.25%Q2 ’26-12%+18%

Executive Summary

  • Earnings: ROA of 0.92%, up 12 bps year over year; NIM at 3.31%.
  • 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 15.15%, up 197 bps from a year ago.
  • Funding: loans stand at 70.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+72 bps YoY

Efficiency Ratio (YTD, annualized)

63.37%-496 bps YoY

Tier 1 Leverage Ratio

15.15%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.82%0.78%0.83%0.92%+12 bps
Return on Equity6.81%6.79%6.43%6.55%7.10%+29 bps
Net Interest Margin2.59%2.96%2.98%3.25%3.31%+72 bps
Efficiency Ratio68.33%66.72%64.96%63.51%63.37%-496 bps
Non-Interest Burden1.70%1.89%1.84%1.98%2.01%+31 bps
Growth
Asset Growth (YoY)6.36%4.35%5.98%5.36%1.61%-475 bps
Loan Growth (YoY)7.71%5.57%9.95%8.02%3.37%-434 bps
Deposit Growth (YoY)7.36%9.35%5.52%6.32%2.96%-440 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%0.00%0.00%0 bps
Allowance / Loans1.21%1.21%1.15%1.16%1.24%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.19%15.01%15.06%14.67%15.15%+197 bps
Total Risk-Based Capital18.34%18.64%18.21%18.43%19.27%+93 bps
Equity / Assets12.13%13.12%12.53%12.88%13.64%+150 bps
Liquidity & Funding
Loans / Deposits70.31%71.23%69.04%73.25%70.58%+27 bps
Liquid Assets / Assets5.73%1.68%3.41%3.88%4.68%-106 bps
CRE / Total Capitaln/a51.48%54.19%54.97%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

TPNB Bank

Paris, MO · Cert 4556 · Peer group: banks under $1B in assets in MO (n=82-83) · Paris Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$112.0MAssets
$66.4MLoans
$94.1MDeposits
$15.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: return on equity trails 84% of banks under $1B in assets in MO (rank 70 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.95%

Rank 64 of 83

Net Interest Margin

3.31%

Rank 65 of 83

Efficiency Ratio

63.37%

Rank 56 of 83

Equity / Assets

13.64%

Rank 18 of 83

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 34% of banks under $1B in assets in MO
Bank 63.37%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.96%1.32%1.75%Beats 23%64 / 83
Return on Equity6.97%9.66%12.96%15.76%Beats 16%70 / 83
Net Interest Margin3.31%3.35%3.85%4.16%Beats 22%65 / 83
Efficiency Ratio63.37%49.83%58.83%68.51%Beats 34%56 / 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 Ratio18.36%11.01%12.49%14.98%Beats 86%12 / 83
Total Risk-Based Capital Ratio19.27%11.13%13.01%15.10%Beats 87%11 / 83
Equity / Assets13.64%8.83%10.71%13.29%Beats 78%18 / 83
Liquidity & Funding
Loans / Deposits70.58%69.28%83.22%91.21%26th pctl61 / 82
Loans / Assets59.34%59.34%71.15%78.36%24th pctl63 / 83
Brokered Deposits / Depositsn/aNot reported for this institution