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Mission Bank

Kingman, AZ · Cert 57137 · Community Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

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

Mission Bank

Kingman, AZ · Cert 57137 · Community Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$185.1MAssets
$71.1MLoans
$171.0MDeposits
$13.0MEquity
Loan mix
75%RE $52.9M25%C&I $17.3M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $90.8M47%Noninterest $80.2MQ2 2025Q2 2026

NIM

3.79%Q2 ’243.78%Q2 ’253.80%Q2 ’26-1%+5%

Non-interest income vs. expense

2.89%Q2 ’243.00%Q2 ’252.83%Q2 ’26+3%-12%

Market Position · Lake Havasu City-Kingman, AZ · 2026 SOD (annual) · 3.8% share · #7 of 10 inst. · $0.2B of $4.5B

Executive Summary

  • Earnings: ROA of 0.54%, up 35 bps year over year; NIM at 3.06%.
  • 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 9.45%, up 83 bps from a year ago.
  • Funding: loans stand at 41.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.54%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+15 bps YoY

Efficiency Ratio (YTD, annualized)

79.49%-1,263 bps YoY

Tier 1 Leverage Ratio

9.45%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.26%0.37%0.60%0.54%+35 bps
Return on Equity3.37%4.32%6.09%8.78%7.88%+451 bps
Net Interest Margin2.91%2.96%3.02%3.02%3.06%+15 bps
Efficiency Ratio92.12%89.83%85.36%78.38%79.49%-1,263 bps
Non-Interest Burden2.65%2.63%2.53%2.21%2.32%-33 bps
Growth
Asset Growth (YoY)1.92%3.50%1.19%-6.22%-3.05%-497 bps
Loan Growth (YoY)-2.74%-4.21%-8.48%-7.52%0.11%+285 bps
Deposit Growth (YoY)2.81%2.80%0.34%-7.08%-3.80%-661 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.23%0.23%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans1.17%1.16%1.20%1.17%1.16%0 bps
Allowance Coverage of NPLsn/an/a5.2x5.2xn/an/a
Capital
Tier 1 Leverage Ratio8.62%8.66%9.01%9.39%9.45%+83 bps
Total Risk-Based Capital18.47%18.66%19.97%20.02%19.97%+150 bps
Equity / Assets5.94%6.18%6.70%6.96%7.03%+109 bps
Liquidity & Funding
Loans / Deposits39.97%39.71%40.26%41.86%41.60%+162 bps
Liquid Assets / Assets51.42%51.58%51.57%50.00%50.21%-121 bps
CRE / Total Capitaln/a227%212%208%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

Mission Bank

Kingman, AZ · Cert 57137 · Peer group: banks under $1B in assets (n=581-629) · Community Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$185.1MAssets
$71.1MLoans
$171.0MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets (rank 594 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.54%

Rank 494 of 629

Net Interest Margin

3.06%

Rank 464 of 629

Efficiency Ratio

79.49%

Rank 476 of 629

Equity / Assets

7.03%

Rank 594 of 629

Non-interest income vs. expense

$0.9M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 24% of banks under $1B in assets
Bank 79.49%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%0.60%1.01%1.45%Beats 21%494 / 629
Return on Equity7.70%5.38%9.30%13.28%Beats 38%392 / 629
Net Interest Margin3.06%3.03%3.54%4.05%Beats 26%464 / 629
Efficiency Ratio79.49%58.35%67.79%79.08%Beats 24%476 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio19.02%11.24%13.84%18.77%Beats 76%152 / 629
Total Risk-Based Capital Ratio19.97%11.58%14.43%19.66%Beats 76%153 / 629
Equity / Assets7.03%9.09%10.65%13.80%Beats 6%594 / 629
Liquidity & Funding
Loans / Deposits41.60%67.24%80.90%93.48%7th pctl554 / 594
Loans / Assets38.44%53.31%67.71%78.15%14th pctl540 / 629
Brokered Deposits / Depositsn/aNot reported for this institution