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First Missouri State Bank of Cape County

Cape Girardeau, MO · Cert 58230

FDIC · 3 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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=495 to 541). 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

13

Q2 2024Q4 2025peer median (50)

Asset Quality

100

Q2 2024Q4 2025peer median (50)

Profitability

53

Q2 2024Q4 2025peer median (50)

Liquidity

12

Q2 2024Q4 2025peer median

Efficiency

72

Q2 2024Q4 2025peer 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

First Missouri State Bank of Cape County

Cape Girardeau, MO · Cert 58230

FDIC · 3 branches

Q4 2025

$235.5MAssets
$203.9MLoans
$207.4MDeposits
$19.0MEquity
Loan mix
85%RE $168.2M14%C&I $27.8M1%Consumer $1.7MQ1 2024Q4 2025
Deposit mix
81%Interest-bearing $168.8M19%Noninterest $38.6MQ1 2024Q4 2025

Market Position · Cape Girardeau, MO-IL · 2025 SOD (annual) · 5.6% share · #8 of 16 inst. · $0.2B of $3.6B

Executive Summary

  • Earnings: ROA of 0.90%, down 3 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.60%, down 62 bps from a year ago.
  • Funding: loans stand at 98.30% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.90%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+34 bps YoY

Efficiency Ratio (YTD, annualized)

59.88%-607 bps YoY

Tier 1 Leverage Ratio

8.60%-62 bps YoY

NIM

4.90%Q4 ’235.51%Q4 ’245.73%Q4 ’25-4%+11%

Non-interest income vs. expense

2.36%Q4 ’232.27%Q4 ’242.28%Q4 ’25-9%-1%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.83%0.87%0.90%0.93%0.94%1.08%1.01%0.90%-3 bps
Return on Equity9.59%10.04%10.45%10.84%10.92%12.43%11.44%10.42%-42 bps
Net Interest Margin3.00%3.11%3.14%3.12%3.33%3.36%3.45%3.46%+34 bps
Efficiency Ratio69.11%68.37%67.44%65.95%62.80%61.63%60.61%59.88%-607 bps
Non-Interest Burden1.96%2.02%2.00%1.94%1.93%1.92%1.94%1.93%-1 bps
Growth
Asset Growth (YoY)2.69%2.68%10.56%10.72%7.89%8.69%0.15%5.30%-542 bps
Loan Growth (YoY)0.70%6.85%8.93%12.50%6.48%4.63%2.13%8.70%-380 bps
Deposit Growth (YoY)2.37%2.03%11.32%11.68%8.24%9.33%-0.49%6.26%-542 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.10%0.07%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.04%0.01%0.01%0.02%+2 bps
Allowance / Loans1.29%1.24%1.21%1.16%1.28%1.25%1.42%1.50%+35 bps
Allowance Coverage of NPLs16.7x12.4x17.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.28%9.40%9.45%9.22%9.51%9.30%9.46%8.60%-62 bps
Total Risk-Based Capital9.28%9.40%9.45%9.22%9.51%9.30%12.83%10.83%+161 bps
Equity / Assets8.51%8.72%8.66%8.49%8.69%8.76%9.27%8.06%-43 bps
Liquidity & Funding
Loans / Deposits90.40%94.31%91.60%96.09%88.93%90.25%94.01%98.30%+221 bps
Liquid Assets / Assets10.89%7.48%9.54%5.04%11.47%10.76%7.86%3.61%-143 bps
CRE / Total Capitaln/an/an/an/an/an/a399%495%n/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

First Missouri State Bank of Cape County

Cape Girardeau, MO · Cert 58230 · Peer group: banks under $1B in assets (n=495-541)

FDIC · 3 branches

Q4 2025

$235.5MAssets
$203.9MLoans
$207.4MDeposits
$19.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 72 of 495).
  • Widest gap: tier 1 capital ratio trails 94% of banks under $1B in assets (rank 511 of 541).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.87%

Rank 308 of 541

Net Interest Margin

3.46%

Rank 249 of 541

Efficiency Ratio

59.88%

Rank 153 of 540

Equity / Assets

8.06%

Rank 463 of 541

Non-interest income vs. expense

$0.8M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 72% of banks under $1B in assets
Bank 59.88%Peer median 68.7%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.87%0.56%0.97%1.38%Beats 43%308 / 541
Return on Equity10.81%5.68%9.28%12.43%Beats 62%204 / 541
Net Interest Margin3.46%2.87%3.39%3.85%Beats 54%249 / 541
Efficiency Ratio59.88%58.91%68.65%80.35%Beats 72%153 / 540
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.34%1.07%Beats 100%72 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.57%10.99%13.81%17.99%Beats 6%511 / 541
Total Risk-Based Capital Ratio10.83%11.43%14.30%18.80%Beats 19%440 / 541
Equity / Assets8.06%8.87%10.43%13.26%Beats 14%463 / 541
Liquidity & Funding
Loans / Deposits98.30%65.07%79.29%92.66%87th pctl62 / 495
Loans / Assets86.58%55.91%67.98%77.76%95th pctl24 / 495
Brokered Deposits / Deposits6.51%n/an/a3.32%Beats 16%425 / 506