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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 $1.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $208.8M22%Noninterest $60.5MQ2 2025Q2 2026

NIM

5.90%Q2 ’245.67%Q2 ’255.58%Q2 ’26-5%0%

Non-interest income vs. expense

2.18%Q2 ’242.17%Q2 ’252.40%Q2 ’26+3%+13%

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 1.28%, down 26 bps year over year; NIM at 3.92%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.28%-26 bps YoY

Net Interest Margin (quarter, annualized)

3.92%-2 bps YoY

Efficiency Ratio (quarter, annualized)

57.86%+597 bps YoY

Tier 1 Leverage Ratio

10.07%-17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.43%1.29%1.31%1.28%-26 bps
Return on Equity15.13%13.84%12.46%13.05%12.89%-224 bps
Net Interest Margin3.94%4.03%4.06%3.90%3.92%-2 bps
Efficiency Ratio51.89%54.35%58.72%58.54%57.86%+597 bps
Non-Interest Burden1.93%2.07%2.29%2.18%2.18%+24 bps
Growth
Asset Growth (YoY)8.08%7.55%8.04%11.91%10.82%+274 bps
Loan Growth (YoY)13.76%15.69%17.13%20.89%17.39%+364 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.04%1.04%1.08%1.06%1.08%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.24%10.46%10.49%10.09%10.07%-17 bps
Total Risk-Based Capital10.24%10.46%10.49%10.09%10.07%-17 bps
Equity / Assets10.26%10.44%10.28%9.87%10.06%-20 bps
Liquidity & Funding
Loans / Deposits71.68%75.15%72.75%73.23%75.34%+366 bps
Liquid Assets / Assets22.27%18.79%21.44%20.07%17.57%-470 bps
CRE / Total Capitaln/a73.74%77.98%83.51%n/an/a