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Exchange Bank Co.

Kahoka, MO · Cert 8274 · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 7 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

63

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

Exchange Bank Co.

Kahoka, MO · Cert 8274 · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 affiliate banks · 7 branches (23 in holding)

Q2 2026

$341.5MAssets
$209.4MLoans
$306.1MDeposits
$32.3MEquity
Loan mix
84%RE $152.2M14%C&I $25.6M2%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $227.3M26%Noninterest $78.9MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.48%Q2 ’255.43%Q2 ’26+8%+2%

Non-interest income vs. expense

2.51%Q2 ’242.74%Q2 ’252.34%Q2 ’26+15%-17%

Executive Summary

  • Earnings: ROA of 1.57%, up 52 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 1.33% of loans (-29 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.11%, down 28 bps from a year ago.
  • Funding: loans stand at 68.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+8 bps YoY

Efficiency Ratio (YTD, annualized)

52.79%-1,061 bps YoY

Tier 1 Leverage Ratio

9.11%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.26%1.29%1.61%1.57%+52 bps
Return on Equity11.66%13.67%14.07%18.16%17.40%+574 bps
Net Interest Margin3.94%3.99%3.97%4.01%4.02%+8 bps
Efficiency Ratio63.40%58.28%57.65%51.57%52.79%-1,061 bps
Non-Interest Burden2.41%2.22%2.18%1.92%2.00%-41 bps
Growth
Asset Growth (YoY)39.09%32.72%10.53%14.25%6.58%-3,252 bps
Loan Growth (YoY)29.62%34.12%10.14%9.33%8.71%-2,091 bps
Deposit Growth (YoY)40.30%33.39%11.36%15.32%6.20%-3,410 bps
Asset Quality
Nonperforming Loans / Loans1.62%1.63%1.64%0.62%1.33%-29 bps
Net Charge-Offs / Loans0.04%0.06%0.07%-0.02%-0.02%-6 bps
Allowance / Loans1.48%1.46%1.50%1.52%1.46%-2 bps
Allowance Coverage of NPLs0.9x0.9x0.9x2.4x1.1x+0.2x
Capital
Tier 1 Leverage Ratio9.39%9.54%9.11%8.94%9.11%-28 bps
Total Risk-Based Capital13.96%13.90%13.45%13.33%9.11%-485 bps
Equity / Assets9.08%9.55%9.21%8.51%9.46%+38 bps
Liquidity & Funding
Loans / Deposits66.82%69.58%67.23%64.09%68.40%+158 bps
Liquid Assets / Assets10.40%6.62%6.31%9.49%5.14%-526 bps
CRE / Total Capitaln/a109.65%110.98%117.77%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

Exchange Bank Co.

Kahoka, MO · Cert 8274 · Peer group: banks under $1B in assets in MO (n=82-83) · Lincoln County Bcorp Inc.

State charter, Fed member · FED · 3 affiliate banks · 7 branches (23 in holding)

Q2 2026

$341.5MAssets
$209.4MLoans
$306.1MDeposits
$32.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks under $1B in assets in MO (rank 16 of 83).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in MO (rank 81 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.59%

Rank 28 of 83

Net Interest Margin

4.02%

Rank 32 of 83

Efficiency Ratio

54.18%

Rank 32 of 83

Equity / Assets

9.46%

Rank 53 of 83

Non-interest income vs. expense

$1.2M$8.2MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 63% of banks under $1B in assets in MO
Bank 54.18%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.96%1.32%1.75%Beats 66%28 / 83
Return on Equity16.80%9.66%12.96%15.76%Beats 81%16 / 83
Net Interest Margin4.02%3.35%3.85%4.16%Beats 61%32 / 83
Efficiency Ratio54.18%49.83%58.83%68.51%Beats 63%32 / 83
Asset Quality
Nonperforming Loans / Loans1.33%0.08%0.51%1.01%Beats 21%66 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 74%22 / 82
Capital
Tier 1 Capital Ratio9.11%11.01%12.49%14.98%Beats 2%81 / 83
Total Risk-Based Capital Ratio9.11%11.13%13.01%15.10%Beats 2%81 / 83
Equity / Assets9.46%8.83%10.71%13.29%Beats 36%53 / 83
Liquidity & Funding
Loans / Deposits68.40%69.28%83.22%91.21%23rd pctl63 / 82
Loans / Assets61.31%59.34%71.15%78.36%27th pctl61 / 83
Brokered Deposits / Depositsn/aNot reported for this institution