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Bank of Brookfield-Purdin National Association

Brookfield, MO · Cert 9385 · Capital Bancshares Inc.

National charter · OCC · 4 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

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 Brookfield-Purdin National Association

Brookfield, MO · Cert 9385 · Capital Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$116.7MAssets
$21.8MLoans
$103.5MDeposits
$12.4MEquity
Loan mix
83%RE $13.9M11%C&I $1.8M7%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $86.6M16%Noninterest $16.9MQ2 2025Q2 2026

NIM

3.87%Q2 ’244.09%Q2 ’254.01%Q2 ’26+5%+2%

Non-interest income vs. expense

1.75%Q2 ’241.74%Q2 ’251.78%Q2 ’26+1%+3%

Executive Summary

  • Earnings: ROA of 0.46%, down 24 bps year over year; NIM at 2.47%.
  • 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 11.14%, down 6 bps from a year ago.
  • Funding: loans stand at 21.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+6 bps YoY

Efficiency Ratio (YTD, annualized)

70.27%+34 bps YoY

Tier 1 Leverage Ratio

11.14%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.78%0.74%0.60%0.46%-24 bps
Return on Equity7.09%7.73%7.18%5.52%4.29%-280 bps
Net Interest Margin2.42%2.50%2.48%2.51%2.47%+6 bps
Efficiency Ratio69.93%68.21%69.78%73.01%70.27%+34 bps
Non-Interest Burden1.67%1.68%1.71%1.81%1.72%+5 bps
Growth
Asset Growth (YoY)6.61%3.48%0.89%1.90%3.94%-267 bps
Loan Growth (YoY)9.72%9.11%6.91%2.95%-5.36%-1,507 bps
Deposit Growth (YoY)5.69%2.75%-0.87%1.04%5.72%+3 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.62%1.64%1.60%1.64%1.71%+9 bps
Allowance Coverage of NPLsn/a33.9xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.20%11.58%11.43%11.32%11.14%-6 bps
Total Risk-Based Capital34.62%35.87%35.62%36.57%40.90%+629 bps
Equity / Assets10.22%11.02%10.99%10.58%10.63%+41 bps
Liquidity & Funding
Loans / Deposits23.52%24.07%24.07%22.49%21.06%-246 bps
Liquid Assets / Assets7.10%5.55%6.38%9.26%8.10%+100 bps
CRE / Total Capitaln/a8.23%9.77%8.66%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 Brookfield-Purdin National Association

Brookfield, MO · Cert 9385 · Peer group: banks under $1B in assets in MO (n=82-83) · Capital Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$116.7MAssets
$21.8MLoans
$103.5MDeposits
$12.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in MO (rank 80 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.45%

Rank 79 of 83

Net Interest Margin

2.47%

Rank 80 of 83

Efficiency Ratio

70.27%

Rank 65 of 83

Equity / Assets

10.63%

Rank 43 of 83

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 23% of banks under $1B in assets in MO
Bank 70.27%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.96%1.32%1.75%Beats 5%79 / 83
Return on Equity4.27%9.66%12.96%15.76%Beats 6%78 / 83
Net Interest Margin2.47%3.35%3.85%4.16%Beats 4%80 / 83
Efficiency Ratio70.27%49.83%58.83%68.51%Beats 23%65 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio39.77%11.01%12.49%14.98%Beats 98%2 / 83
Total Risk-Based Capital Ratio40.90%11.13%13.01%15.10%Beats 98%2 / 83
Equity / Assets10.63%8.83%10.71%13.29%Beats 48%43 / 83
Liquidity & Funding
Loans / Deposits21.06%69.28%83.22%91.21%0th pctl82 / 82
Loans / Assets18.67%59.34%71.15%78.36%1st pctl82 / 83
Brokered Deposits / Depositsn/aNot reported for this institution