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Maries County Bank, The

Vienna, MO · Cert 8576 · Maries County Bcorp Inc.

State charter, non-member · FDIC · 12 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

27

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

Maries County Bank, The

Vienna, MO · Cert 8576 · Maries County Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$600.5MAssets
$382.1MLoans
$518.5MDeposits
$79.4MEquity
Loan mix
81%RE $283.6M6%C&I $22.1M12%Consumer $43.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $423.7M18%Noninterest $94.8MQ2 2025Q2 2026

NIM

4.64%Q2 ’245.12%Q2 ’255.25%Q2 ’26+20%+12%

Non-interest income vs. expense

2.77%Q2 ’242.89%Q2 ’253.07%Q2 ’26+5%+7%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 0.3% share · #20 of 20 inst. · $0.0B of $7.7B

80.3% Maries
27.9% Pulaski
8.6% Gasconade
2.0% Phelps

Executive Summary

  • Earnings: ROA of 1.05%, up 12 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.12% of loans (-22 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 14.83%, up 55 bps from a year ago.
  • Funding: loans stand at 73.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+41 bps YoY

Efficiency Ratio (YTD, annualized)

68.13%-263 bps YoY

Tier 1 Leverage Ratio

14.83%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.03%1.06%1.12%1.05%+12 bps
Return on Equity8.04%8.71%8.77%8.60%8.05%0 bps
Net Interest Margin3.44%3.55%3.54%3.76%3.85%+41 bps
Efficiency Ratio70.77%69.20%67.22%67.16%68.13%-263 bps
Non-Interest Burden2.24%2.24%2.15%2.32%2.40%+16 bps
Growth
Asset Growth (YoY)2.28%-0.21%0.52%-0.47%-0.98%-326 bps
Loan Growth (YoY)5.71%5.69%5.49%6.06%8.76%+305 bps
Deposit Growth (YoY)1.41%3.36%-0.77%-2.18%-1.07%-247 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.30%0.25%0.16%0.12%-22 bps
Net Charge-Offs / Loans0.02%0.05%0.07%0.13%0.15%+12 bps
Allowance / Loans1.50%1.50%1.50%1.50%1.50%0 bps
Allowance Coverage of NPLs4.4x5.0x6.1x9.1x12.2x+7.8x
Capital
Tier 1 Leverage Ratio14.29%14.70%14.55%14.85%14.83%+55 bps
Total Risk-Based Capital14.29%14.70%14.55%14.85%14.83%+55 bps
Equity / Assets11.83%12.65%12.92%13.08%13.23%+140 bps
Liquidity & Funding
Loans / Deposits67.02%68.81%69.37%71.15%73.68%+666 bps
Liquid Assets / Assets0.39%1.51%1.61%2.10%0.28%-11 bps
CRE / Total Capitaln/a107.73%110.94%117.10%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

Maries County Bank, The

Vienna, MO · Cert 8576 · Peer group: banks under $1B in assets in MO (n=82-83) · Maries County Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$600.5MAssets
$382.1MLoans
$518.5MDeposits
$79.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 73% of banks under $1B in assets in MO (rank 22 of 83).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in MO (rank 75 of 82).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 58 of 83

Net Interest Margin

3.85%

Rank 42 of 83

Efficiency Ratio

68.13%

Rank 62 of 83

Equity / Assets

13.23%

Rank 23 of 83

Non-interest income vs. expense

$4.1M$18.9MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 27% of banks under $1B in assets in MO
Bank 68.13%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.96%1.32%1.75%Beats 30%58 / 83
Return on Equity7.99%9.66%12.96%15.76%Beats 19%67 / 83
Net Interest Margin3.85%3.35%3.85%4.16%Beats 49%42 / 83
Efficiency Ratio68.13%49.83%58.83%68.51%Beats 27%62 / 83
Asset Quality
Nonperforming Loans / Loans0.12%0.08%0.51%1.01%Beats 72%24 / 82
Net Charge-Offs / Loans0.13%0.00%0.01%0.06%Beats 10%75 / 82
Capital
Tier 1 Capital Ratio14.83%11.01%12.49%14.98%Beats 73%22 / 83
Total Risk-Based Capital Ratio14.83%11.13%13.01%15.10%Beats 71%24 / 83
Equity / Assets13.23%8.83%10.71%13.29%Beats 72%23 / 83
Liquidity & Funding
Loans / Deposits73.68%69.28%83.22%91.21%32nd pctl56 / 82
Loans / Assets63.62%59.34%71.15%78.36%31st pctl57 / 83
Brokered Deposits / Depositsn/aNot reported for this institution