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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

$1.0BAssets
$888.0MLoans
$890.4MDeposits
$106.1MEquity
Loan mix
80%RE $688.5M19%C&I $163.8M1%Consumer $9.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $740.6M17%Noninterest $149.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.67%0.72%0.80%0.79%0.82%0.83%0.88%+8 bps
Return on Equity5.54%6.24%6.74%7.43%7.32%7.61%7.90%8.36%+93 bps
Net Interest Margin2.98%3.10%3.25%3.32%3.32%3.25%3.52%3.55%+23 bps
Efficiency Ratio78.35%75.84%74.36%72.53%72.96%72.10%71.40%70.07%-246 bps
Non-Interest Burden2.20%2.20%2.25%2.23%2.28%2.19%2.36%2.33%+10 bps
Growth
Asset Growth (YoY)1.39%6.82%3.65%5.10%7.07%8.76%7.61%10.16%+507 bps
Loan Growth (YoY)3.75%7.90%5.34%4.72%6.04%5.20%8.23%8.38%+366 bps
Deposit Growth (YoY)3.50%9.20%3.25%4.72%6.80%9.33%8.35%16.63%+1,191 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.03%0.00%0.01%0.01%0.00%0.37%+37 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.01%0.03%0.01%0 bps
Allowance / Loans1.03%0.99%1.00%0.97%0.97%0.91%0.89%0.90%-7 bps
Allowance Coverage of NPLs292.1x295.8x34.4x284.0x86.3x82.5x296.5x2.4x-281.6x
Capital
Tier 1 Leverage Ratio10.90%10.93%10.91%10.95%10.98%10.48%10.73%10.81%-14 bps
Total Risk-Based Capital13.75%13.18%13.65%13.51%13.74%13.13%13.29%13.24%-28 bps
Equity / Assets11.27%10.49%10.94%10.83%11.17%10.26%10.86%10.51%-32 bps
Liquidity & Funding
Loans / Deposits103.86%101.24%103.43%107.33%103.13%97.42%103.31%99.73%-760 bps
Liquid Assets / Assets2.67%4.46%2.93%3.58%3.78%8.64%3.63%6.62%+304 bps
CRE / Total Capitaln/an/an/an/a370%398%394%n/an/a