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First Missouri State Bank

Poplar Bluff, MO · Cert 8282

FDIC · 1 branch

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=85 to 86). 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

39

Q2 2024Q4 2025peer median (50)

Asset Quality

88

Q2 2024Q4 2025peer median (50)

Profitability

81

Q2 2024Q4 2025peer median (50)

Liquidity

43

Q2 2024Q4 2025peer median

Efficiency

88

Q2 2024Q4 2025peer 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

First Missouri State Bank

Poplar Bluff, MO · Cert 8282

FDIC · 1 branch

Q4 2025

$278.5MAssets
$219.7MLoans
$245.3MDeposits
$23.7MEquity
Loan mix
88%RE $184.5M9%C&I $18.3M4%Consumer $7.6MQ4 2024Q4 2025
Deposit mix
93%Interest-bearing $228.9M7%Noninterest $16.4MQ4 2024Q4 2025

NIM

5.00%Q4 ’236.02%Q4 ’246.38%Q4 ’25+7%+23%

Non-interest income vs. expense

1.96%Q4 ’231.89%Q4 ’241.90%Q4 ’25+6%-9%

Executive Summary

  • Earnings: ROA of 1.76%, up 60 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.03% of loans (-34 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.56%, down 18 bps from a year ago.
  • Funding: loans stand at 89.58% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.76%+60 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+72 bps YoY

Efficiency Ratio (YTD, annualized)

44.72%-1,116 bps YoY

Tier 1 Leverage Ratio

8.56%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.16%1.74%1.66%1.98%1.76%+60 bps
Return on Equity13.46%19.95%18.82%22.58%20.18%+672 bps
Net Interest Margin3.14%3.32%3.43%4.05%3.85%+72 bps
Efficiency Ratio55.88%47.25%47.63%41.54%44.72%-1,116 bps
Non-Interest Burden1.65%1.08%1.33%1.41%1.50%-15 bps
Growth
Asset Growth (YoY)1.50%4.07%2.49%4.38%6.49%+498 bps
Loan Growth (YoY)6.91%6.77%9.64%8.54%1.50%-541 bps
Deposit Growth (YoY)2.14%5.07%2.92%4.57%6.93%+479 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.38%0.95%0.03%0.03%-34 bps
Net Charge-Offs / Loans-0.06%-0.10%0.01%-0.01%-0.01%+5 bps
Allowance / Loans1.33%1.37%1.27%1.38%1.55%+22 bps
Allowance Coverage of NPLs3.5x3.7x1.3x43.6x50.0x+46.4x
Capital
Tier 1 Leverage Ratio8.74%8.98%9.06%8.84%8.56%-18 bps
Total Risk-Based Capital13.17%13.87%13.42%13.23%13.38%+21 bps
Equity / Assets8.65%8.75%9.07%8.71%8.50%-15 bps
Liquidity & Funding
Loans / Deposits94.37%90.88%97.63%95.62%89.58%-479 bps
Liquid Assets / Assets10.18%13.81%8.34%9.66%14.92%+473 bps
CRE / Total Capitaln/an/an/a198.01%184.78%n/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

First Missouri State Bank

Poplar Bluff, MO · Cert 8282 · Peer group: banks under $1B in assets in MO (n=85-86)

FDIC · 1 branch

Q4 2025

$278.5MAssets
$219.7MLoans
$245.3MDeposits
$23.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets in MO (rank 3 of 86).
  • Widest gap: brokered deposits / deposits trails 88% of banks under $1B in assets in MO (rank 76 of 85).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.70%

Rank 16 of 86

Net Interest Margin

3.85%

Rank 31 of 86

Efficiency Ratio

44.72%

Rank 11 of 86

Equity / Assets

8.50%

Rank 65 of 86

Non-interest income vs. expense

$1.1M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 88% of banks under $1B in assets in MO
Bank 44.72%Peer median 60.2%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.80%1.16%1.54%Beats 81%16 / 86
Return on Equity20.04%7.85%11.20%14.75%Beats 97%3 / 86
Net Interest Margin3.85%3.12%3.64%4.04%Beats 64%31 / 86
Efficiency Ratio44.72%50.92%60.16%69.11%Beats 88%11 / 86
Asset Quality
Nonperforming Loans / Loans0.03%0.11%0.44%1.05%Beats 88%11 / 85
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.12%10.93%12.28%14.55%Beats 41%51 / 86
Total Risk-Based Capital Ratio13.38%11.28%13.09%14.94%Beats 53%40 / 86
Equity / Assets8.50%8.50%10.36%12.71%Beats 24%65 / 86
Liquidity & Funding
Loans / Deposits89.58%69.04%80.27%89.58%74th pctl22 / 85
Loans / Assets78.89%59.90%68.81%76.95%81st pctl16 / 85
Brokered Deposits / Deposits4.50%n/an/a1.73%Beats 12%76 / 85