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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