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Table Rock Community Bank

Kimberling City, MO · Cert 58300 · Alton Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 in MO (n=82 to 83). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

47

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

Table Rock Community Bank

Kimberling City, MO · Cert 58300 · Alton Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$568.9MAssets
$442.7MLoans
$503.9MDeposits
$43.9MEquity
Loan mix
89%RE $374.1M9%C&I $36.6M2%Consumer $7.8MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $462.8M8%Noninterest $41.0MQ2 2025Q2 2026

NIM

5.60%Q2 ’245.75%Q2 ’256.06%Q2 ’26-15%+13%

Non-interest income vs. expense

2.80%Q2 ’241.84%Q2 ’252.25%Q2 ’26-29%+10%

Market Position · Springfield, MO · 2026 SOD (annual) · 1.0% share · #21 of 41 inst. · $0.2B of $17.8B

26.5% Stone
1.2% Greene
9.3% Taney

Executive Summary

  • Earnings: ROA of 1.06%, up 23 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.24% of loans (+5 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.25%, down 1 bps from a year ago.
  • Funding: loans stand at 87.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+41 bps YoY

Efficiency Ratio (YTD, annualized)

56.99%+191 bps YoY

Tier 1 Leverage Ratio

8.25%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.85%0.82%1.07%1.06%+23 bps
Return on Equity12.00%11.87%11.38%14.57%14.27%+226 bps
Net Interest Margin3.06%2.98%2.93%3.47%3.47%+41 bps
Efficiency Ratio55.08%57.27%58.19%56.75%56.99%+191 bps
Non-Interest Burden1.74%1.67%1.67%1.90%1.92%+17 bps
Growth
Asset Growth (YoY)177.13%183.28%32.77%25.52%21.54%-15,559 bps
Loan Growth (YoY)181.90%201%40.85%40.71%34.51%-14,739 bps
Deposit Growth (YoY)185.41%175.29%35.85%28.25%22.42%-16,299 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.04%0.13%0.62%0.24%+5 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.03%+3 bps
Allowance / Loans1.03%1.04%1.05%1.06%1.01%-1 bps
Allowance Coverage of NPLs5.4x25.7x8.2x1.7x4.3x-1.1x
Capital
Tier 1 Leverage Ratio8.26%8.37%7.99%7.69%8.25%-1 bps
Total Risk-Based Capital12.10%12.36%11.40%11.86%11.99%-11 bps
Equity / Assets7.35%7.88%7.25%7.39%7.72%+37 bps
Liquidity & Funding
Loans / Deposits79.96%83.59%83.35%87.78%87.86%+790 bps
Liquid Assets / Assets2.75%9.81%9.64%7.40%7.54%+479 bps
CRE / Total Capitaln/a361%421%410%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

Table Rock Community Bank

Kimberling City, MO · Cert 58300 · Peer group: banks under $1B in assets in MO (n=82-83) · Alton Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$568.9MAssets
$442.7MLoans
$503.9MDeposits
$43.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 65% of banks under $1B in assets in MO (rank 30 of 82).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in MO (rank 77 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.03%

Rank 62 of 83

Net Interest Margin

3.47%

Rank 58 of 83

Efficiency Ratio

59.42%

Rank 45 of 83

Equity / Assets

7.72%

Rank 77 of 83

Non-interest income vs. expense

$1.8M$12.2MINCOMEEXPENSE
Unfavorable gap of $10.4M · efficiency ratio beats 47% of banks under $1B in assets in MO
Bank 59.42%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.96%1.32%1.75%Beats 25%62 / 83
Return on Equity13.35%9.66%12.96%15.76%Beats 54%38 / 83
Net Interest Margin3.47%3.35%3.85%4.16%Beats 30%58 / 83
Efficiency Ratio59.42%49.83%58.83%68.51%Beats 47%45 / 83
Asset Quality
Nonperforming Loans / Loans0.24%0.08%0.51%1.01%Beats 65%30 / 82
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 39%51 / 82
Capital
Tier 1 Capital Ratio10.84%11.01%12.49%14.98%Beats 19%67 / 83
Total Risk-Based Capital Ratio11.99%11.13%13.01%15.10%Beats 37%52 / 83
Equity / Assets7.72%8.83%10.71%13.29%Beats 7%77 / 83
Liquidity & Funding
Loans / Deposits87.86%69.28%83.22%91.21%67th pctl27 / 82
Loans / Assets77.81%59.34%71.15%78.36%72nd pctl23 / 83
Brokered Deposits / Depositsn/aNot reported for this institution