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Bank 21

Carrollton, MO · Cert 8560 · Knott Holding Co. Inc.

State charter, non-member · FDIC · 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

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

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

Bank 21

Carrollton, MO · Cert 8560 · Knott Holding Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$202.1MAssets
$182.8MLoans
$164.7MDeposits
$22.6MEquity
Loan mix
89%RE $151.6M10%C&I $16.9M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $122.5M26%Noninterest $42.2MQ2 2025Q2 2026

NIM

6.20%Q2 ’246.82%Q2 ’256.84%Q2 ’26+17%+1%

Non-interest income vs. expense

2.86%Q2 ’242.71%Q2 ’252.51%Q2 ’26+4%-12%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #86 of 114 inst. · $0.1B of $99.1B

13.9% Carroll
0.1% Jackson
1.4% Pettis
1.4% Saline

Executive Summary

  • Earnings: ROA of 2.13%, up 25 bps year over year; NIM at 4.99%.
  • Asset quality: problem loans at 0.05% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 11.51%, up 24 bps from a year ago.
  • Funding: loans stand at 110.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.13%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.99%+6 bps YoY

Efficiency Ratio (YTD, annualized)

47.71%-542 bps YoY

Tier 1 Leverage Ratio

11.51%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.98%1.99%2.13%2.13%+25 bps
Return on Equity17.17%18.25%18.29%19.09%19.11%+194 bps
Net Interest Margin4.93%4.80%4.79%5.01%4.99%+6 bps
Efficiency Ratio53.13%50.35%50.92%48.45%47.71%-542 bps
Non-Interest Burden2.54%2.32%2.32%2.25%2.24%-30 bps
Growth
Asset Growth (YoY)6.57%11.95%13.80%13.36%9.84%+327 bps
Loan Growth (YoY)12.76%14.03%16.02%14.90%11.26%-150 bps
Deposit Growth (YoY)4.52%7.28%9.19%11.23%7.46%+294 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.29%0.04%0.06%0.05%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.09%-0.04%-4 bps
Allowance / Loans1.33%1.31%1.31%1.32%1.28%-4 bps
Allowance Coverage of NPLs25.9x4.6x31.9x23.4x25.8x-0.1x
Capital
Tier 1 Leverage Ratio11.28%10.87%11.09%11.60%11.51%+24 bps
Total Risk-Based Capital13.37%13.10%13.48%14.06%13.83%+46 bps
Equity / Assets10.80%10.49%10.93%11.39%11.17%+38 bps
Liquidity & Funding
Loans / Deposits107.19%111.25%111.40%109.99%110.99%+379 bps
Liquid Assets / Assets4.07%4.38%4.15%4.07%4.21%+15 bps
CRE / Total Capitaln/a450%431%410%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

Bank 21

Carrollton, MO · Cert 8560 · Peer group: banks under $1B in assets in MO (n=82-83) · Knott Holding Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$202.1MAssets
$182.8MLoans
$164.7MDeposits
$22.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in MO (rank 5 of 83).
  • Widest gap: tier 1 capital ratio trails 47% of banks under $1B in assets in MO (rank 39 of 83).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.09%

Rank 6 of 83

Net Interest Margin

4.99%

Rank 5 of 83

Efficiency Ratio

47.71%

Rank 19 of 83

Equity / Assets

11.17%

Rank 31 of 83

Non-interest income vs. expense

$0.5M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 78% of banks under $1B in assets in MO
Bank 47.71%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.09%0.96%1.32%1.75%Beats 93%6 / 83
Return on Equity18.71%9.66%12.96%15.76%Beats 90%8 / 83
Net Interest Margin4.99%3.35%3.85%4.16%Beats 94%5 / 83
Efficiency Ratio47.71%49.83%58.83%68.51%Beats 78%19 / 83
Asset Quality
Nonperforming Loans / Loans0.05%0.08%0.51%1.01%Beats 79%18 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 79%18 / 82
Capital
Tier 1 Capital Ratio12.58%11.01%12.49%14.98%Beats 53%39 / 83
Total Risk-Based Capital Ratio13.83%11.13%13.01%15.10%Beats 58%35 / 83
Equity / Assets11.17%8.83%10.71%13.29%Beats 63%31 / 83
Liquidity & Funding
Loans / Deposits110.99%69.28%83.22%91.21%98th pctl2 / 82
Loans / Assets90.45%59.34%71.15%78.36%99th pctl1 / 83
Brokered Deposits / Depositsn/aNot reported for this institution