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Guaranty Bank

Springfield, MO · Cert 58892 · QCR Holdings Inc.

State charter, Fed member · FED · 13 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=322 to 328). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

45

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

Guaranty Bank

Springfield, MO · Cert 58892 · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 13 branches (37 in holding)

Q2 2026

$2.4BAssets
$1.8BLoans
$1.9BDeposits
$394.3MEquity
Loan mix
86%RE $1.6B13%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.6B16%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.29%Q2 ’245.07%Q2 ’254.96%Q2 ’26+3%+11%

Non-interest income vs. expense

1.96%Q2 ’242.00%Q2 ’251.99%Q2 ’26+27%-8%

Market Position · Springfield, MO · 2026 SOD (annual) · 9.6% share · #2 of 41 inst. · $1.7B of $17.8B

10.6% Greene
11.9% Christian
4.6% Jasper
2.1% Newton

Executive Summary

  • Earnings: ROA of 0.95%, up 17 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.88% of loans (+19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.34%, down 31 bps from a year ago.
  • Funding: loans stand at 97.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+28 bps YoY

Efficiency Ratio (YTD, annualized)

58.58%-808 bps YoY

Tier 1 Leverage Ratio

12.34%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.96%1.00%1.23%0.95%+17 bps
Return on Equity4.74%5.86%6.12%7.56%5.82%+107 bps
Net Interest Margin2.52%2.52%2.55%2.88%2.80%+28 bps
Efficiency Ratio66.66%61.47%63.60%58.61%58.58%-808 bps
Non-Interest Burden1.51%1.26%1.37%1.42%1.39%-12 bps
Growth
Asset Growth (YoY)-0.29%3.77%3.16%3.90%0.70%+99 bps
Loan Growth (YoY)-0.76%3.48%2.84%5.82%0.03%+78 bps
Deposit Growth (YoY)4.23%3.19%0.50%-3.56%0.64%-359 bps
Asset Quality
Nonperforming Loans / Loans0.69%1.02%0.87%0.83%0.88%+19 bps
Net Charge-Offs / Loans0.14%0.09%0.17%0.01%0.00%-14 bps
Allowance / Loans1.29%1.34%1.27%1.24%1.53%+24 bps
Allowance Coverage of NPLs1.9x1.3x1.5x1.5x1.7x-0.1x
Capital
Tier 1 Leverage Ratio12.65%12.19%12.03%12.43%12.34%-31 bps
Total Risk-Based Capital14.70%14.19%14.13%14.18%14.44%-25 bps
Equity / Assets16.44%15.92%16.24%16.25%16.54%+10 bps
Liquidity & Funding
Loans / Deposits98.19%103.28%101.78%106.94%97.60%-59 bps
Liquid Assets / Assets8.27%8.89%8.79%8.20%9.43%+117 bps
CRE / Total Capitaln/a482%480%486%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

Guaranty Bank

Springfield, MO · Cert 58892 · Peer group: banks $1B-$10B in assets (n=322-328) · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 13 branches (37 in holding)

Q2 2026

$2.4BAssets
$1.8BLoans
$1.9BDeposits
$394.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets (rank 13 of 328).
  • Widest gap: return on equity trails 89% of banks $1B-$10B in assets (rank 293 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.96%

Rank 238 of 328

Net Interest Margin

2.80%

Rank 282 of 328

Efficiency Ratio

60.85%

Rank 181 of 328

Equity / Assets

16.54%

Rank 13 of 328

Non-interest income vs. expense

$14.7M$48.4MINCOMEEXPENSE
Unfavorable gap of $33.7M · efficiency ratio beats 45% of banks $1B-$10B in assets
Bank 60.85%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.91%1.22%1.52%Beats 27%238 / 328
Return on Equity5.80%8.43%11.45%14.43%Beats 11%293 / 328
Net Interest Margin2.80%3.03%3.45%3.83%Beats 14%282 / 328
Efficiency Ratio60.85%51.61%59.56%67.53%Beats 45%181 / 328
Asset Quality
Nonperforming Loans / Loans0.88%0.24%0.51%1.03%Beats 29%229 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 88%39 / 322
Capital
Tier 1 Capital Ratio13.19%11.75%13.15%15.47%Beats 51%160 / 328
Total Risk-Based Capital Ratio14.44%12.63%14.15%16.46%Beats 54%150 / 328
Equity / Assets16.54%9.15%10.33%12.01%Beats 96%13 / 328
Liquidity & Funding
Loans / Deposits97.60%76.63%87.92%95.36%80th pctl63 / 323
Loans / Assets76.96%65.18%74.15%79.98%64th pctl119 / 328
Brokered Deposits / Depositsn/aNot reported for this institution