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Commercial Trust Company of Fayette

Fayette, MO · Cert 9791 · Harris Taubman Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$163.8MAssets
$110.4MLoans
$145.2MDeposits
$16.5MEquity
Loan mix
90%RE $91.6M2%C&I $2.4M8%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $120.7M17%Noninterest $24.4MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.33%Q2 ’255.31%Q2 ’26+12%+3%

Non-interest income vs. expense

2.64%Q2 ’243.25%Q2 ’253.34%Q2 ’26+21%-8%

Market Position · Columbia, MO · 2026 SOD (annual) · 2.2% share · #12 of 29 inst. · $0.1B of $6.7B

32.6% Howard
0.3% Boone

Executive Summary

  • Earnings: ROA of 1.15%, up 20 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.36% of loans (-11 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.41%, down 28 bps from a year ago.
  • Funding: loans stand at 76.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+11 bps YoY

Efficiency Ratio (YTD, annualized)

69.73%-397 bps YoY

Tier 1 Leverage Ratio

10.41%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.06%1.07%1.32%1.15%+20 bps
Return on Equity9.33%10.31%10.39%12.84%11.32%+199 bps
Net Interest Margin3.47%3.53%3.59%3.56%3.58%+11 bps
Efficiency Ratio73.70%70.83%71.60%68.87%69.73%-397 bps
Non-Interest Burden2.31%2.20%2.29%2.02%2.13%-18 bps
Growth
Asset Growth (YoY)0.80%4.68%0.98%2.92%5.28%+448 bps
Loan Growth (YoY)2.53%4.02%1.71%3.48%2.64%+11 bps
Deposit Growth (YoY)2.36%7.16%1.80%2.93%5.69%+333 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.46%0.45%0.45%0.36%-11 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.03%0.03%+4 bps
Allowance / Loans1.02%1.01%0.95%0.89%0.90%-11 bps
Allowance Coverage of NPLs2.2x2.2x2.1x2.0x2.5x+0.3x
Capital
Tier 1 Leverage Ratio10.69%10.90%10.67%10.31%10.41%-28 bps
Total Risk-Based Capital10.69%10.90%10.67%10.31%10.41%-28 bps
Equity / Assets10.34%10.37%10.65%9.94%10.06%-28 bps
Liquidity & Funding
Loans / Deposits78.32%76.93%80.64%74.60%76.05%-226 bps
Liquid Assets / Assets16.90%17.87%21.11%20.72%20.67%+377 bps
CRE / Total Capitaln/a85.60%95.17%92.66%n/an/a