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Letter portraitLegal landscapeQuarterYTD

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 $1.7MQ4 2024Q4 2025
Deposit mix
81%Interest-bearing $168.8M19%Noninterest $38.6MQ4 2024Q4 2025

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.93%0.94%1.08%1.01%0.90%-3 bps
Return on Equity10.84%10.92%12.43%11.44%10.42%-42 bps
Net Interest Margin3.12%3.33%3.36%3.45%3.46%+34 bps
Efficiency Ratio65.95%62.80%61.63%60.61%59.88%-607 bps
Non-Interest Burden1.94%1.93%1.92%1.94%1.93%-1 bps
Growth
Asset Growth (YoY)10.72%7.89%8.69%0.15%5.30%-542 bps
Loan Growth (YoY)12.50%6.48%4.63%2.13%8.70%-380 bps
Deposit Growth (YoY)11.68%8.24%9.33%-0.49%6.26%-542 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.04%0.01%0.01%0.02%+2 bps
Allowance / Loans1.16%1.28%1.25%1.42%1.50%+35 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.22%9.51%9.30%9.46%8.60%-62 bps
Total Risk-Based Capital9.22%9.51%9.30%12.83%10.83%+161 bps
Equity / Assets8.49%8.69%8.76%9.27%8.06%-43 bps
Liquidity & Funding
Loans / Deposits96.09%88.93%90.25%94.01%98.30%+221 bps
Liquid Assets / Assets5.04%11.47%10.76%7.86%3.61%-143 bps
CRE / Total Capitaln/an/an/a399%495%n/a