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Four States Bank

Carthage, MO · Cert 59352 · Four States Bancshares Inc.

State charter, non-member · FDIC · 4 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

83

Q3 2024Q2 2026peer median (50)

Asset Quality

100

Q3 2024Q2 2026peer median (50)

Profitability

9

Q3 2024Q2 2026peer median (50)

Liquidity

51

Q3 2024Q2 2026peer median

Efficiency

5

Q3 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

Four States Bank

Carthage, MO · Cert 59352 · Four States Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$142.1MAssets
$103.4MLoans
$114.3MDeposits
$21.3MEquity
Loan mix
83%RE $69.7M17%C&I $14.1M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $98.1M14%Noninterest $16.2MQ2 2025Q2 2026

NIM

0.65%Q3 ’245.88%Q2 ’255.72%Q2 ’26+494%-11%

Non-interest income vs. expense

6.41%Q3 ’245.56%Q2 ’253.78%Q2 ’26-30%-41%

Market Position · Joplin, MO-KS · 2026 SOD (annual) · 1.4% share · #17 of 22 inst. · $0.1B of $4.9B

2.4% Jasper
0.3% Greene

Executive Summary

  • Earnings: ROA of 0.03%, up 176 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.85%, down 1,718 bps from a year ago.
  • Funding: loans stand at 90.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%+176 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-42 bps YoY

Efficiency Ratio (YTD, annualized)

84.40%-2,973 bps YoY

Tier 1 Leverage Ratio

15.85%-1,718 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.73%-1.34%-1.32%0.01%0.03%+176 bps
Return on Equity-4.90%-4.08%-4.38%0.04%0.15%+505 bps
Net Interest Margin3.76%3.50%3.62%3.88%3.35%-42 bps
Efficiency Ratio114.13%108.17%111.42%86.53%84.40%-2,973 bps
Non-Interest Burden4.45%3.85%4.11%3.16%2.65%-180 bps
Growth
Asset Growth (YoY)n/a222%82.78%88.37%95.89%n/a
Loan Growth (YoY)n/a596%210%147.05%116.67%n/a
Deposit Growth (YoY)n/a2501%144.21%137.06%127.83%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.25%1.20%1.13%1.12%1.12%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio33.02%27.43%26.15%20.53%15.85%-1,718 bps
Total Risk-Based Capital33.02%27.43%26.15%20.53%15.85%-1,718 bps
Equity / Assets29.90%26.71%22.31%18.26%14.97%-1,492 bps
Liquidity & Funding
Loans / Deposits95.13%97.34%98.72%93.07%90.47%-466 bps
Liquid Assets / Assets14.47%25.54%19.70%20.43%10.39%-408 bps
CRE / Total Capitaln/a174.08%201%255%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

Four States Bank

Carthage, MO · Cert 59352 · Peer group: banks under $1B in assets in MO (n=82-83) · Four States Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$142.1MAssets
$103.4MLoans
$114.3MDeposits
$21.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: return on assets trails 99% of banks under $1B in assets in MO (rank 82 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.02%

Rank 82 of 83

Net Interest Margin

3.35%

Rank 62 of 83

Efficiency Ratio

84.40%

Rank 80 of 83

Equity / Assets

14.97%

Rank 7 of 83

Non-interest income vs. expense

$1.5M$5.1MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 5% of banks under $1B in assets in MO
Bank 84.40%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.02%0.96%1.32%1.75%Beats 1%82 / 83
Return on Equity0.15%9.66%12.96%15.76%Beats 2%81 / 83
Net Interest Margin3.35%3.35%3.85%4.16%Beats 25%62 / 83
Efficiency Ratio84.40%49.83%58.83%68.51%Beats 5%80 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio15.85%11.01%12.49%14.98%Beats 81%16 / 83
Total Risk-Based Capital Ratio15.85%11.13%13.01%15.10%Beats 77%19 / 83
Equity / Assets14.97%8.83%10.71%13.29%Beats 92%7 / 83
Liquidity & Funding
Loans / Deposits90.47%69.28%83.22%91.21%73rd pctl22 / 82
Loans / Assets72.75%59.34%71.15%78.36%53rd pctl39 / 83
Brokered Deposits / Depositsn/aNot reported for this institution