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Community Bank of Pleasant Hill

Pleasant Hill, MO · Cert 58423 · Arcadia Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

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 the Kansas City, MO-KS area (n=39 to 40). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

22

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

Community Bank of Pleasant Hill

Pleasant Hill, MO · Cert 58423 · Arcadia Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$133.4MAssets
$54.0MLoans
$125.0MDeposits
$8.1MEquity
Loan mix
41%RE $21.2M56%C&I $28.9M3%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $90.2M28%Noninterest $34.8MQ2 2025Q2 2026

NIM

3.79%Q2 ’243.89%Q2 ’253.96%Q2 ’26+22%+17%

Non-interest income vs. expense

2.43%Q2 ’242.77%Q2 ’253.31%Q2 ’26+38%+13%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #66 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 1.05%, up 15 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.37%, up 157 bps from a year ago.
  • Funding: loans stand at 43.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+44 bps YoY

Efficiency Ratio (YTD, annualized)

69.40%-38 bps YoY

Tier 1 Leverage Ratio

10.37%+157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.05%1.10%1.14%1.05%+15 bps
Return on Equity27.03%28.28%27.24%20.44%18.33%-870 bps
Net Interest Margin2.56%2.61%2.68%2.99%3.00%+44 bps
Efficiency Ratio69.78%66.45%65.85%65.85%69.40%-38 bps
Non-Interest Burden1.40%1.30%1.31%1.41%1.59%+18 bps
Growth
Asset Growth (YoY)5.23%2.77%0.81%-1.10%-16.65%-2,188 bps
Loan Growth (YoY)27.83%18.07%27.78%4.06%3.79%-2,403 bps
Deposit Growth (YoY)4.80%2.57%-1.20%-3.76%-19.19%-2,399 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.03%0.05%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.04%0.10%0.11%0.12%0.09%+5 bps
Allowance / Loans0.22%0.19%0.21%0.24%0.24%+2 bps
Allowance Coverage of NPLs18.8x6.1x4.1xn/an/an/a
Capital
Tier 1 Leverage Ratio8.80%8.84%9.03%9.97%10.37%+157 bps
Total Risk-Based Capital21.60%22.93%23.75%24.64%25.43%+383 bps
Equity / Assets3.18%4.96%5.34%5.84%6.06%+288 bps
Liquidity & Funding
Loans / Deposits33.63%36.44%37.68%41.10%43.20%+957 bps
Liquid Assets / Assets14.89%5.46%6.05%9.12%6.91%-798 bps
CRE / Total Capitaln/a80.25%87.08%80.16%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

Community Bank of Pleasant Hill

Pleasant Hill, MO · Cert 58423 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Arcadia Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$133.4MAssets
$54.0MLoans
$125.0MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the Kansas City, MO-KS area (rank 37 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.09%

Rank 29 of 40

Net Interest Margin

3.00%

Rank 36 of 40

Efficiency Ratio

70.06%

Rank 32 of 40

Equity / Assets

6.06%

Rank 37 of 40

Non-interest income vs. expense

$2.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 70.06%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%1.02%1.39%1.86%Beats 28%29 / 40
Return on Equity17.90%10.74%14.78%21.32%Beats 65%14 / 40
Net Interest Margin3.00%3.33%4.05%4.63%Beats 10%36 / 40
Efficiency Ratio70.06%51.70%58.10%69.29%Beats 22%32 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.06%n/a0.00%0.05%Beats 23%31 / 39
Capital
Tier 1 Capital Ratio25.14%11.32%12.27%16.94%Beats 93%3 / 40
Total Risk-Based Capital Ratio25.43%11.32%13.09%17.63%Beats 90%4 / 40
Equity / Assets6.06%8.41%10.10%12.34%Beats 8%37 / 40
Liquidity & Funding
Loans / Deposits43.20%73.50%85.60%94.85%5th pctl38 / 40
Loans / Assets40.49%62.75%69.87%79.23%5th pctl38 / 40
Brokered Deposits / Depositsn/aNot reported for this institution