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

Unfavorable gap of $22.7M · efficiency ratio beats 19% of banks $1B-$10B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.86%	0.91%	1.22%	1.52%	Beats 21%	258 / 328	n/a
Return on Equity	8.18%	8.43%	11.45%	14.43%	Beats 22%	255 / 328	n/a
Net Interest Margin	3.55%	3.03%	3.45%	3.83%	Beats 57%	141 / 328	n/a
Efficiency Ratio	70.07%	51.61%	59.56%	67.53%	Beats 19%	266 / 328	n/a
Asset Quality
Nonperforming Loans / Loans	0.37%	0.24%	0.51%	1.03%	Beats 64%	118 / 322	n/a
Net Charge-Offs / Loans	0.01%	0.01%	0.03%	0.10%	Beats 76%	77 / 322	n/a
Capital
Tier 1 Capital Ratio	12.23%	11.75%	13.15%	15.47%	Beats 35%	212 / 328	n/a
Total Risk-Based Capital Ratio	13.24%	12.63%	14.15%	16.46%	Beats 36%	211 / 328	n/a
Equity / Assets	10.51%	9.15%	10.33%	12.01%	Beats 52%	157 / 328	n/a
Liquidity & Funding
Loans / Deposits	99.73%	76.63%	87.92%	95.36%	85th pctl	50 / 323	n/a
Loans / Assets	87.94%	65.18%	74.15%	79.98%	96th pctl	14 / 328	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution