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Alton Bank

Alton, MO · Cert 8276

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 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

18

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

Alton Bank

Alton, MO · Cert 8276

State charter, non-member · FDIC · 2 branches

Q2 2026

$145.0MAssets
$81.9MLoans
$127.9MDeposits
$10.7MEquity
Loan mix
80%RE $58.7M10%C&I $7.4M10%Consumer $7.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $100.3M22%Noninterest $27.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.78%, up 34 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.52% of loans (-10 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.96%, down 2 bps from a year ago.
  • Funding: loans stand at 64.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+40 bps YoY

Efficiency Ratio (YTD, annualized)

71.08%-1,039 bps YoY

Tier 1 Leverage Ratio

7.96%-2 bps YoY

NIM

5.00%Q2 ’245.29%Q2 ’255.35%Q2 ’26+16%+16%

Non-interest income vs. expense

2.23%Q2 ’242.46%Q2 ’252.47%Q2 ’26+3%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.29%0.32%0.44%0.46%0.52%0.85%0.78%+34 bps
Return on Equity3.71%4.21%4.80%6.38%6.51%7.32%11.18%10.39%+401 bps
Net Interest Margin2.21%2.20%2.33%2.59%2.66%2.66%3.09%3.00%+40 bps
Efficiency Ratio87.34%86.36%85.61%81.48%81.08%78.96%70.12%71.08%-1,039 bps
Non-Interest Burden1.89%1.85%1.94%2.03%2.07%2.01%2.02%1.99%-4 bps
Growth
Asset Growth (YoY)7.08%11.72%15.12%6.96%4.82%3.23%3.04%13.80%+685 bps
Loan Growth (YoY)16.33%18.88%17.14%16.34%6.19%8.15%20.09%17.77%+143 bps
Deposit Growth (YoY)8.53%13.37%16.15%6.77%4.55%2.32%2.24%14.51%+773 bps
Asset Quality
Nonperforming Loans / Loans1.21%0.78%0.72%0.61%0.45%0.77%0.29%0.52%-10 bps
Net Charge-Offs / Loans0.04%0.03%0.06%0.08%0.05%0.15%0.06%0.02%-6 bps
Allowance / Loans0.93%0.90%0.91%0.86%0.84%0.71%0.64%0.68%-18 bps
Allowance Coverage of NPLs0.8x1.2x1.3x1.4x1.9x0.9x2.2x1.3x-0.1x
Capital
Tier 1 Leverage Ratio8.12%7.88%7.43%7.98%8.19%8.21%8.16%7.96%-2 bps
Total Risk-Based Capital11.08%11.02%10.69%11.43%11.41%11.05%10.49%10.26%-117 bps
Equity / Assets7.16%6.65%6.67%7.33%7.58%7.60%7.53%7.41%+9 bps
Liquidity & Funding
Loans / Deposits62.22%60.53%56.77%62.25%63.20%63.98%66.67%64.02%+177 bps
Liquid Assets / Assets29.11%30.86%29.63%29.88%29.05%27.60%24.10%23.05%-683 bps
CRE / Total Capitaln/an/an/an/a95.24%91.02%86.19%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

Alton Bank

Alton, MO · Cert 8276 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, non-member · FDIC · 2 branches

Q2 2026

$145.0MAssets
$81.9MLoans
$127.9MDeposits
$10.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 49% of banks under $1B in assets in MO (rank 43 of 82).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets in MO (rank 78 of 83).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.75%

Rank 73 of 83

Net Interest Margin

3.00%

Rank 75 of 83

Efficiency Ratio

71.08%

Rank 69 of 83

Equity / Assets

7.41%

Rank 78 of 83

Non-interest income vs. expense

$0.7M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 18% of banks under $1B in assets in MO
Bank 71.08%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.96%1.32%1.75%Beats 12%73 / 83
Return on Equity10.09%9.66%12.96%15.76%Beats 28%60 / 83
Net Interest Margin3.00%3.35%3.85%4.16%Beats 10%75 / 83
Efficiency Ratio71.08%49.83%58.83%68.51%Beats 18%69 / 83
Asset Quality
Nonperforming Loans / Loans0.52%0.08%0.51%1.01%Beats 49%43 / 82
Net Charge-Offs / Loans0.07%0.00%0.01%0.06%Beats 23%64 / 82
Capital
Tier 1 Capital Ratio9.77%11.01%12.49%14.98%Beats 8%76 / 83
Total Risk-Based Capital Ratio10.26%11.13%13.01%15.10%Beats 10%75 / 83
Equity / Assets7.41%8.83%10.71%13.29%Beats 6%78 / 83
Liquidity & Funding
Loans / Deposits64.02%69.28%83.22%91.21%16th pctl69 / 82
Loans / Assets56.45%59.34%71.15%78.36%18th pctl68 / 83
Brokered Deposits / Depositsn/aNot reported for this institution