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Century Bank of the Ozarks

Gainesville, MO · Cert 8296 · Century Bancshares Inc.

State charter, Fed member · FED · 5 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

Trailing 9 quarters, through Q2 2026

Capital

10

Q2 2024Q2 2026Peer median (50)

Asset Quality

57

Q2 2024Q2 2026Peer median (50)

Profitability

88

Q2 2024Q2 2026Peer median (50)

Liquidity

27

Q2 2024Q2 2026Peer median (100)

Efficiency

61

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Century Bank of the Ozarks

Gainesville, MO · Cert 8296 · Century Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$305.3MAssets
$257.0MLoans
$273.1MDeposits
$27.4MEquity
Loan mix
92%RE $218.9M6%C&I $13.4M3%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $205.9M25%Noninterest $67.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.92%, down 12 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.19% of loans (-134 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 8.84%, down 30 bps from a year ago.
  • Funding: loans stand at 94.10% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.92%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.77%-12 bps YoY

Efficiency Ratio (YTD, annualized)

54.75%+267 bps YoY

Tier 1 Leverage Ratio

8.84%-30 bps YoY

NIM

6.04%Q2 ’246.27%Q2 ’256.13%Q2 ’26+4%-2%

Non-interest income vs. expense

2.73%Q2 ’242.96%Q2 ’252.89%Q2 ’26-1%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.71%2.15%2.04%1.98%1.96%1.83%1.92%-12 bps
Return on Equity19.14%18.12%22.91%21.91%21.27%21.03%20.07%21.14%-77 bps
Net Interest Margin4.75%4.87%4.89%4.89%4.94%4.93%4.97%4.77%-12 bps
Efficiency Ratio52.19%55.90%50.90%52.08%52.34%49.68%54.33%54.75%+267 bps
Non-Interest Burden2.21%2.47%1.97%2.15%2.24%1.93%2.44%2.38%+22 bps
Growth
Asset Growth (YoY)2.36%0.93%3.13%4.60%6.80%4.88%9.63%9.80%+520 bps
Loan Growth (YoY)6.23%4.31%7.16%6.49%5.88%8.71%8.34%12.30%+581 bps
Deposit Growth (YoY)2.69%0.96%2.68%4.21%6.55%4.86%10.74%10.57%+637 bps
Asset Quality
Nonperforming Loans / Loans1.77%1.46%1.45%1.53%1.43%0.00%0.17%0.19%-134 bps
Net Charge-Offs / Loans0.01%0.03%0.03%0.00%0.00%0.73%-0.11%-0.05%-6 bps
Allowance / Loans1.81%1.77%1.73%1.76%1.79%1.45%1.53%1.50%-26 bps
Allowance Coverage of NPLs1.0x1.2x1.2x1.1x1.2xn/a9.0x7.9x+6.7x
Capital
Tier 1 Leverage Ratio9.35%9.43%9.30%9.14%9.17%9.13%9.06%8.84%-30 bps
Total Risk-Based Capital9.35%9.43%9.30%9.14%9.17%9.13%9.06%8.84%-30 bps
Equity / Assets9.64%9.41%9.35%9.19%9.31%9.39%8.91%8.99%-21 bps
Liquidity & Funding
Loans / Deposits94.96%93.88%95.10%92.65%94.37%97.33%93.04%94.10%+145 bps
Liquid Assets / Assets7.62%7.23%7.19%10.08%7.78%3.95%8.32%5.02%-505 bps
CRE / Total Capitaln/an/an/an/a368%371%384%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 2026-10-12

Century Bank of the Ozarks

Gainesville, MO · Cert 8296 · Peer group: banks under $1B in assets in MO (n=82-83) · Century Bancshares Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$305.3MAssets
$257.0MLoans
$273.1MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks under $1B in assets in MO (rank 4 of 83).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in MO (rank 83 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.85%

Rank 17 of 83

Net Interest Margin

4.77%

Rank 9 of 83

Efficiency Ratio

54.75%

Rank 33 of 83

Equity / Assets

8.99%

Rank 59 of 83

Non-interest income vs. expense

$1.6M$8.8MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 61% of banks under $1B in assets in MO
Bank 54.75%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.85%0.96%1.32%1.75%Beats 80%17 / 83
Return on Equity20.55%9.66%12.96%15.76%Beats 95%4 / 83
Net Interest Margin4.77%3.35%3.85%4.16%Beats 89%9 / 83
Efficiency Ratio54.75%49.83%58.83%68.51%Beats 61%33 / 83
Asset Quality
Nonperforming Loans / Loans0.19%0.08%0.51%1.01%Beats 67%28 / 82
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 46%45 / 82
Capital
Tier 1 Capital Ratio8.84%11.01%12.49%14.98%Beats 0%83 / 83
Total Risk-Based Capital Ratio8.84%11.13%13.01%15.10%Beats 0%83 / 83
Equity / Assets8.99%8.83%10.71%13.29%Beats 29%59 / 83
Liquidity & Funding
Loans / Deposits94.10%69.28%83.22%91.21%82nd pctl15 / 82
Loans / Assets84.18%59.34%71.15%78.36%92nd pctl7 / 83
Brokered Deposits / Depositsn/aNot reported for this institution