PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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