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Parkside Financial Bank and Trust

Clayton, MO · Cert 58796 · Parkside Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=311 to 317). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

30

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 2026-10-10

Parkside Financial Bank and Trust

Clayton, MO · Cert 58796 · Parkside Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$907.5MLoans
$923.3MDeposits
$136.1MEquity
Loan mix
49%RE $400.1M51%C&I $413.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $673.2M27%Noninterest $250.2MQ2 2025Q2 2026

NIM

5.84%Q2 ’245.67%Q2 ’255.87%Q2 ’26+5%+11%

Non-interest income vs. expense

3.42%Q2 ’243.63%Q2 ’253.86%Q2 ’26+6%-6%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #29 of 111 inst. · $0.9B of $141.7B

1.8% St. Louis
0.1% Denver

Executive Summary

  • Earnings: ROA of 1.41%, up 49 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.98%, up 145 bps from a year ago.
  • Funding: loans stand at 98.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+49 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+43 bps YoY

Efficiency Ratio (YTD, annualized)

65.68%-572 bps YoY

Tier 1 Leverage Ratio

12.98%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.00%1.12%1.46%1.41%+49 bps
Return on Equity8.61%9.28%10.11%11.64%11.22%+261 bps
Net Interest Margin3.76%3.83%3.85%4.20%4.19%+43 bps
Efficiency Ratio71.40%68.90%67.14%65.26%65.68%-572 bps
Non-Interest Burden2.31%2.21%2.12%2.15%2.17%-13 bps
Growth
Asset Growth (YoY)0.67%3.81%-6.90%-5.17%3.61%+294 bps
Loan Growth (YoY)1.28%4.10%7.78%6.74%10.68%+940 bps
Deposit Growth (YoY)2.15%2.98%-9.09%-6.98%3.09%+94 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.00%0.00%0.00%-19 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.02%0.00%0.00%+4 bps
Allowance / Loans1.81%1.87%1.83%1.92%1.92%+11 bps
Allowance Coverage of NPLs9.6xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.52%12.01%12.14%13.01%12.98%+145 bps
Total Risk-Based Capital13.81%14.23%13.99%14.38%14.25%+43 bps
Equity / Assets11.51%11.15%12.39%12.68%12.60%+108 bps
Liquidity & Funding
Loans / Deposits91.54%84.20%95.87%96.42%98.28%+674 bps
Liquid Assets / Assets7.20%16.54%6.98%6.68%5.42%-179 bps
CRE / Total Capitaln/a262%270%276%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 2026-10-10

Parkside Financial Bank and Trust

Clayton, MO · Cert 58796 · Peer group: banks $1B-$10B in assets (n=311-317) · Parkside Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$907.5MLoans
$923.3MDeposits
$136.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 8 of 311).
  • Widest gap: efficiency ratio trails 70% of banks $1B-$10B in assets (rank 224 of 317).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 108 of 317

Net Interest Margin

4.19%

Rank 45 of 317

Efficiency Ratio

65.68%

Rank 224 of 317

Equity / Assets

12.60%

Rank 58 of 317

Non-interest income vs. expense

$18.1M$41.4MINCOMEEXPENSE
Unfavorable gap of $23.3M · efficiency ratio beats 30% of banks $1B-$10B in assets
Bank 65.68%Peer median 59.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.93%1.22%1.51%Beats 66%108 / 317
Return on Equity10.94%8.63%11.43%14.48%Beats 44%177 / 317
Net Interest Margin4.19%3.06%3.45%3.83%Beats 86%45 / 317
Efficiency Ratio65.68%51.90%59.69%67.53%Beats 30%224 / 317
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.14%Beats 100%8 / 311
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 100%18 / 311
Capital
Tier 1 Capital Ratio12.99%11.75%13.15%15.30%Beats 48%165 / 317
Total Risk-Based Capital Ratio14.25%12.63%14.21%16.26%Beats 51%156 / 317
Equity / Assets12.60%9.06%10.32%11.95%Beats 82%58 / 317
Liquidity & Funding
Loans / Deposits98.28%76.63%88.04%95.67%81st pctl58 / 312
Loans / Assets83.98%65.41%74.05%79.71%89th pctl36 / 317
Brokered Deposits / Depositsn/aNot reported for this institution