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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

6.64%Q4 ’246.47%Q2 ’256.43%Q2 ’26-26%-7%

Non-interest income vs. expense

9.60%Q4 ’245.67%Q2 ’254.01%Q2 ’26-47%-44%

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 0.04%, up 219 bps year over year; NIM at 3.70%.
  • 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 (quarter, annualized)

0.04%+219 bps YoY

Net Interest Margin (quarter, annualized)

3.70%-28 bps YoY

Efficiency Ratio (quarter, annualized)

82.59%-4,255 bps YoY

Tier 1 Leverage Ratio

15.85%-1,718 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.15%-0.68%-1.30%0.01%0.04%+219 bps
Return on Equity-6.60%-2.41%-5.32%0.04%0.26%+687 bps
Net Interest Margin3.98%4.20%4.34%3.88%3.70%-28 bps
Efficiency Ratio125.13%98.35%120.50%86.53%82.59%-4,255 bps
Non-Interest Burden5.12%4.12%5.27%3.16%2.86%-226 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