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Goppert Financial Bank

Lathrop, MO · Cert 8569 · Goppert Financial Corp.

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 the Kansas City, MO-KS area3

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 the Kansas City, MO-KS area (n=39 to 40). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

47

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

Goppert Financial Bank

Lathrop, MO · Cert 8569 · Goppert Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (14 in holding)

Q2 2026

$312.0MAssets
$202.9MLoans
$269.3MDeposits
$31.4MEquity
Loan mix
79%RE $133.9M20%C&I $34.6M1%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $208.8M22%Noninterest $60.5MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #50 of 114 inst. · $0.2B of $99.1B

4.7% Cass
16.7% Carroll
10.4% Clinton
0.4% Clay

Executive Summary

  • Earnings: ROA of 1.30%, down 22 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.07%, down 17 bps from a year ago.
  • Funding: loans stand at 75.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.86%0 bps YoY

Efficiency Ratio (YTD, annualized)

58.19%+626 bps YoY

Tier 1 Leverage Ratio

10.07%-17 bps YoY

NIM

5.72%Q2 ’245.60%Q2 ’255.47%Q2 ’26-4%0%

Non-interest income vs. expense

2.10%Q2 ’242.14%Q2 ’252.38%Q2 ’26+3%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.63%1.50%1.52%1.49%1.44%1.31%1.30%-22 bps
Return on Equity16.36%16.47%14.86%14.97%14.58%14.03%13.05%12.95%-203 bps
Net Interest Margin4.00%3.99%3.77%3.86%3.90%3.88%3.90%3.86%0 bps
Efficiency Ratio50.79%50.12%51.99%51.94%52.77%54.32%58.54%58.19%+626 bps
Non-Interest Burden1.89%1.86%1.82%1.88%1.93%1.99%2.18%2.15%+27 bps
Growth
Asset Growth (YoY)6.22%6.41%8.26%8.08%7.55%8.04%11.91%10.82%+274 bps
Loan Growth (YoY)9.74%11.50%9.26%13.76%15.69%17.13%20.89%17.39%+364 bps
Deposit Growth (YoY)5.15%5.49%8.17%8.07%7.42%8.26%12.97%11.69%+362 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.03%1.06%1.07%1.04%1.04%1.08%1.06%1.08%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.20%10.37%9.92%10.24%10.46%10.49%10.09%10.07%-17 bps
Total Risk-Based Capital10.20%10.37%9.92%10.24%10.46%10.49%10.09%10.07%-17 bps
Equity / Assets10.12%10.08%10.10%10.26%10.44%10.28%9.87%10.06%-20 bps
Liquidity & Funding
Loans / Deposits69.78%67.24%68.43%71.68%75.15%72.75%73.23%75.34%+366 bps
Liquid Assets / Assets23.01%26.17%22.83%22.27%18.79%21.44%20.07%17.57%-470 bps
CRE / Total Capitaln/an/an/an/a73.74%77.98%83.51%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

Goppert Financial Bank

Lathrop, MO · Cert 8569 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Goppert Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (14 in holding)

Q2 2026

$312.0MAssets
$202.9MLoans
$269.3MDeposits
$31.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in the Kansas City, MO-KS area (rank 35 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.28%

Rank 22 of 40

Net Interest Margin

3.86%

Rank 23 of 40

Efficiency Ratio

58.19%

Rank 22 of 40

Equity / Assets

10.06%

Rank 21 of 40

Non-interest income vs. expense

$0.7M$7.4MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 47% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 58.19%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%1.02%1.39%1.86%Beats 45%22 / 40
Return on Equity12.72%10.74%14.78%21.32%Beats 28%29 / 40
Net Interest Margin3.86%3.33%4.05%4.63%Beats 43%23 / 40
Efficiency Ratio58.19%51.70%58.10%69.29%Beats 47%22 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio10.07%11.32%12.27%16.94%Beats 15%34 / 40
Total Risk-Based Capital Ratio10.07%11.32%13.09%17.63%Beats 13%35 / 40
Equity / Assets10.06%8.41%10.10%12.34%Beats 48%21 / 40
Liquidity & Funding
Loans / Deposits75.34%73.50%85.60%94.85%33rd pctl27 / 40
Loans / Assets65.01%62.75%69.87%79.23%30th pctl28 / 40
Brokered Deposits / Depositsn/aNot reported for this institution