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Bank of Advance, The

Advance, MO · Cert 9369 · Miles Bancshares Inc.

State charter, Fed member · FED · 7 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

29

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

80

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 of Advance, The

Advance, MO · Cert 9369 · Miles Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$509.9MAssets
$408.0MLoans
$438.7MDeposits
$66.9MEquity
Loan mix
81%RE $299.0M12%C&I $42.8M8%Consumer $28.0MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $366.5M16%Noninterest $72.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.90%, up 13 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.75% of loans (+9 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 13.01%, up 17 bps from a year ago.
  • Funding: loans stand at 93.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.90%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+28 bps YoY

Efficiency Ratio (YTD, annualized)

47.62%-314 bps YoY

Tier 1 Leverage Ratio

13.01%+17 bps YoY

NIM

6.11%Q2 ’246.27%Q2 ’256.31%Q2 ’26+6%+7%

Non-interest income vs. expense

2.44%Q2 ’242.46%Q2 ’252.46%Q2 ’26+3%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.73%1.75%1.77%1.82%1.76%1.88%1.90%+13 bps
Return on Equity15.23%15.03%14.99%14.88%14.91%14.54%15.63%15.36%+48 bps
Net Interest Margin4.07%4.11%4.20%4.27%4.32%4.31%4.49%4.55%+28 bps
Efficiency Ratio51.86%52.66%50.13%50.76%49.64%50.03%47.14%47.62%-314 bps
Non-Interest Burden1.81%1.87%1.82%1.87%1.85%1.86%1.82%1.85%-3 bps
Growth
Asset Growth (YoY)2.27%-0.67%1.58%2.19%2.86%8.20%3.73%2.45%+27 bps
Loan Growth (YoY)-0.09%0.22%5.06%6.43%6.82%5.64%3.81%3.40%-302 bps
Deposit Growth (YoY)2.04%-1.64%0.82%1.49%2.35%8.16%3.14%2.15%+66 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.81%0.56%0.66%0.72%1.61%0.70%0.75%+9 bps
Net Charge-Offs / Loans0.00%0.04%0.21%0.11%0.17%0.18%0.19%0.13%+2 bps
Allowance / Loans1.45%1.40%1.37%1.39%1.36%1.42%1.45%1.52%+13 bps
Allowance Coverage of NPLs2.3x1.7x2.5x2.1x1.9x0.9x2.1x2.0x-0.1x
Capital
Tier 1 Leverage Ratio12.99%12.00%12.43%12.84%13.40%12.14%12.52%13.01%+17 bps
Total Risk-Based Capital12.99%12.00%12.43%12.84%13.40%12.14%12.52%13.01%+17 bps
Equity / Assets12.58%11.43%11.93%12.35%13.10%11.59%12.48%13.11%+77 bps
Liquidity & Funding
Loans / Deposits90.12%89.51%90.75%91.87%94.05%87.42%91.34%93.00%+112 bps
Liquid Assets / Assets2.28%2.49%3.04%2.08%1.07%6.16%2.36%0.61%-147 bps
CRE / Total Capitaln/an/an/an/a118.19%128.73%132.47%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 of Advance, The

Advance, MO · Cert 9369 · Peer group: banks under $1B in assets in MO (n=82-83) · Miles Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$509.9MAssets
$408.0MLoans
$438.7MDeposits
$66.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 86% of banks under $1B in assets in MO (rank 12 of 83).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in MO (rank 67 of 82).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.92%

Rank 12 of 83

Net Interest Margin

4.55%

Rank 13 of 83

Efficiency Ratio

47.62%

Rank 18 of 83

Equity / Assets

13.11%

Rank 24 of 83

Non-interest income vs. expense

$3.2M$12.8MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 80% of banks under $1B in assets in MO
Bank 47.62%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.92%0.96%1.32%1.75%Beats 86%12 / 83
Return on Equity14.67%9.66%12.96%15.76%Beats 69%26 / 83
Net Interest Margin4.55%3.35%3.85%4.16%Beats 84%13 / 83
Efficiency Ratio47.62%49.83%58.83%68.51%Beats 80%18 / 83
Asset Quality
Nonperforming Loans / Loans0.75%0.08%0.51%1.01%Beats 38%52 / 82
Net Charge-Offs / Loans0.09%0.00%0.01%0.06%Beats 20%67 / 82
Capital
Tier 1 Capital Ratio13.01%11.01%12.49%14.98%Beats 55%37 / 83
Total Risk-Based Capital Ratio13.01%11.13%13.01%15.10%Beats 49%42 / 83
Equity / Assets13.11%8.83%10.71%13.29%Beats 71%24 / 83
Liquidity & Funding
Loans / Deposits93.00%69.28%83.22%91.21%79th pctl17 / 82
Loans / Assets80.01%59.34%71.15%78.36%80th pctl17 / 83
Brokered Deposits / Depositsn/aNot reported for this institution