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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

5.76%Q4 ’236.27%Q4 ’246.20%Q4 ’25+18%+6%

Non-interest income vs. expense

2.11%Q4 ’232.00%Q4 ’242.17%Q4 ’25+47%+9%

Executive Summary

  • Earnings: ROA of 1.10%, down 25 bps year over year; NIM at 3.66%.
  • 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 (quarter, annualized)

1.10%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.66%+19 bps YoY

Efficiency Ratio (quarter, annualized)

55.35%+161 bps YoY

Tier 1 Leverage Ratio

8.56%-18 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.35%1.74%1.58%2.64%1.10%-25 bps
Return on Equity15.54%19.95%17.71%29.70%12.75%-279 bps
Net Interest Margin3.46%3.32%3.60%5.33%3.66%+19 bps
Efficiency Ratio53.74%47.25%48.04%32.75%55.35%+161 bps
Non-Interest Burden1.74%1.08%1.58%1.60%1.90%+16 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-0.09%-0.10%0.12%-0.05%-0.01%+8 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