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Story Bank Dba Story Financial Partners

Jackson, MS · Cert 57069 · Story Bancshares

State charter, non-member · FDIC · 7 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

19

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

Story Bank Dba Story Financial Partners

Jackson, MS · Cert 57069 · Story Bancshares

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.0BAssets
$888.0MLoans
$890.4MDeposits
$106.1MEquity
Loan mix
80%RE $688.5M19%C&I $163.8M1%Consumer $9.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $740.6M17%Noninterest $149.8MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.62%Q2 ’255.55%Q2 ’26+13%+7%

Non-interest income vs. expense

2.80%Q2 ’242.87%Q2 ’252.84%Q2 ’26+1%+5%

Market Position · Jackson, MS · 2026 SOD (annual) · 3.0% share · #8 of 30 inst. · $0.7B of $23.5B

6.0% Hinds
1.8% Madison
1.4% DeSoto
0.2% Shelby

Executive Summary

  • Earnings: ROA of 0.88%, up 8 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.37% of loans (+37 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.81%, down 14 bps from a year ago.
  • Funding: loans stand at 99.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+23 bps YoY

Efficiency Ratio (YTD, annualized)

70.07%-246 bps YoY

Tier 1 Leverage Ratio

10.81%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.79%0.82%0.83%0.88%+8 bps
Return on Equity7.43%7.32%7.61%7.90%8.36%+93 bps
Net Interest Margin3.32%3.32%3.25%3.52%3.55%+23 bps
Efficiency Ratio72.53%72.96%72.10%71.40%70.07%-246 bps
Non-Interest Burden2.23%2.28%2.19%2.36%2.33%+10 bps
Growth
Asset Growth (YoY)5.10%7.07%8.76%7.61%10.16%+507 bps
Loan Growth (YoY)4.72%6.04%5.20%8.23%8.38%+366 bps
Deposit Growth (YoY)4.72%6.80%9.33%8.35%16.63%+1,191 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.00%0.37%+37 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.03%0.01%0 bps
Allowance / Loans0.97%0.97%0.91%0.89%0.90%-7 bps
Allowance Coverage of NPLs284.0x86.3x82.5x296.5x2.4x-281.6x
Capital
Tier 1 Leverage Ratio10.95%10.98%10.48%10.73%10.81%-14 bps
Total Risk-Based Capital13.51%13.74%13.13%13.29%13.24%-28 bps
Equity / Assets10.83%11.17%10.26%10.86%10.51%-32 bps
Liquidity & Funding
Loans / Deposits107.33%103.13%97.42%103.31%99.73%-760 bps
Liquid Assets / Assets3.58%3.78%8.64%3.63%6.62%+304 bps
CRE / Total Capitaln/a370%398%394%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

Story Bank Dba Story Financial Partners

Jackson, MS · Cert 57069 · Peer group: banks $1B-$10B in assets (n=322-328) · Story Bancshares

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.0BAssets
$888.0MLoans
$890.4MDeposits
$106.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 76% of banks $1B-$10B in assets (rank 77 of 322).
  • Widest gap: efficiency ratio trails 81% of banks $1B-$10B in assets (rank 266 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.86%

Rank 258 of 328

Net Interest Margin

3.55%

Rank 141 of 328

Efficiency Ratio

70.07%

Rank 266 of 328

Equity / Assets

10.51%

Rank 157 of 328

Non-interest income vs. expense

$4.9M$27.6MINCOMEEXPENSE
Unfavorable gap of $22.7M · efficiency ratio beats 19% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.91%1.22%1.52%Beats 21%258 / 328
Return on Equity8.18%8.43%11.45%14.43%Beats 22%255 / 328
Net Interest Margin3.55%3.03%3.45%3.83%Beats 57%141 / 328
Efficiency Ratio70.07%51.61%59.56%67.53%Beats 19%266 / 328
Asset Quality
Nonperforming Loans / Loans0.37%0.24%0.51%1.03%Beats 64%118 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 76%77 / 322
Capital
Tier 1 Capital Ratio12.23%11.75%13.15%15.47%Beats 35%212 / 328
Total Risk-Based Capital Ratio13.24%12.63%14.15%16.46%Beats 36%211 / 328
Equity / Assets10.51%9.15%10.33%12.01%Beats 52%157 / 328
Liquidity & Funding
Loans / Deposits99.73%76.63%87.92%95.36%85th pctl50 / 323
Loans / Assets87.94%65.18%74.15%79.98%96th pctl14 / 328
Brokered Deposits / Depositsn/aNot reported for this institution