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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

$600.5MAssets
$382.1MLoans
$518.5MDeposits
$79.4MEquity
Loan mix
81%RE $283.6M6%C&I $22.1M12%Consumer $43.3MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $423.7M18%Noninterest $94.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.54%0.82%0.93%1.03%1.06%1.12%1.05%+12 bps
Return on Equity4.61%4.76%7.19%8.04%8.71%8.77%8.60%8.05%0 bps
Net Interest Margin2.92%2.98%3.23%3.44%3.55%3.54%3.76%3.85%+41 bps
Efficiency Ratio78.38%78.82%72.25%70.77%69.20%67.22%67.16%68.13%-263 bps
Non-Interest Burden2.14%2.21%2.16%2.24%2.24%2.15%2.32%2.40%+16 bps
Growth
Asset Growth (YoY)5.98%3.27%1.52%2.28%-0.21%0.52%-0.47%-0.98%-326 bps
Loan Growth (YoY)10.02%11.99%11.47%5.71%5.69%5.49%6.06%8.76%+305 bps
Deposit Growth (YoY)1.20%3.38%1.31%1.41%3.36%-0.77%-2.18%-1.07%-247 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.11%0.17%0.34%0.30%0.25%0.16%0.12%-22 bps
Net Charge-Offs / Loans0.26%0.21%0.00%0.02%0.05%0.07%0.13%0.15%+12 bps
Allowance / Loans1.50%1.50%1.51%1.50%1.50%1.50%1.50%1.50%0 bps
Allowance Coverage of NPLs9.0x14.1x9.1x4.4x5.0x6.1x9.1x12.2x+7.8x
Capital
Tier 1 Leverage Ratio13.98%13.93%14.02%14.29%14.70%14.55%14.85%14.83%+55 bps
Total Risk-Based Capital13.98%13.93%14.02%14.29%14.70%14.55%14.85%14.83%+55 bps
Equity / Assets11.78%11.17%11.62%11.83%12.65%12.92%13.08%13.23%+140 bps
Liquidity & Funding
Loans / Deposits67.29%65.25%65.63%67.02%68.81%69.37%71.15%73.68%+666 bps
Liquid Assets / Assets0.19%0.30%2.81%0.39%1.51%1.61%2.10%0.28%-11 bps
CRE / Total Capitaln/an/an/an/a107.73%110.94%117.10%n/an/a