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M1 Bank

Clayton, MO · Cert 9797

FDIC · 2 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=284 to 290). 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

16

Q2 2024Q4 2025peer median (50)

Asset Quality

100

Q2 2024Q4 2025peer median (50)

Profitability

76

Q2 2024Q4 2025peer median (50)

Liquidity

97

Q2 2024Q4 2025peer median

Efficiency

94

Q2 2024Q4 2025peer 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

M1 Bank

Clayton, MO · Cert 9797

FDIC · 2 branches

Q4 2025

$1.2BAssets
$932.1MLoans
$1.1BDeposits
$116.6MEquity
Loan mix
19%RE $170.4M81%C&I $716.7M0%Consumer $0.5MQ4 2024Q4 2025
Deposit mix
91%Interest-bearing $974.5M9%Noninterest $95.9MQ4 2024Q4 2025

NIM

6.88%Q4 ’237.30%Q4 ’246.52%Q4 ’25-8%-6%

Non-interest income vs. expense

1.21%Q4 ’231.42%Q4 ’241.43%Q4 ’25+19%-1%

Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.8% share · #22 of 114 inst. · $1.0B of $134.5B

Executive Summary

  • Earnings: ROA of 1.63%, up 23 bps year over year; NIM at 3.35%.
  • 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 9.93%, up 33 bps from a year ago.
  • Funding: loans stand at 87.07% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

1.63%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-22 bps YoY

Efficiency Ratio (YTD, annualized)

42.31%+242 bps YoY

Tier 1 Leverage Ratio

9.93%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.40%1.60%1.67%1.91%1.63%+23 bps
Return on Equity15.42%16.33%16.75%18.86%16.22%+81 bps
Net Interest Margin3.57%3.52%3.37%3.40%3.35%-22 bps
Efficiency Ratio39.88%40.37%38.30%39.75%42.31%+242 bps
Non-Interest Burden1.43%1.42%1.27%1.33%1.41%-2 bps
Growth
Asset Growth (YoY)20.86%2.03%-0.18%0.97%2.73%-1,813 bps
Loan Growth (YoY)18.12%2.57%-4.87%1.26%-4.07%-2,219 bps
Deposit Growth (YoY)20.93%0.56%3.31%-0.36%2.78%-1,815 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.31%1.36%1.37%1.33%1.37%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.60%10.47%10.66%10.82%9.93%+33 bps
Total Risk-Based Capital9.60%10.47%10.66%10.82%9.93%+33 bps
Equity / Assets9.49%10.11%10.30%10.58%9.74%+25 bps
Liquidity & Funding
Loans / Deposits93.29%92.96%91.39%94.96%87.07%-622 bps
Liquid Assets / Assets8.00%8.80%9.23%4.86%12.22%+422 bps
CRE / Total Capitaln/an/an/a163.39%130.35%n/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

M1 Bank

Clayton, MO · Cert 9797 · Peer group: banks $1B-$10B in assets (n=284-290)

FDIC · 2 branches

Q4 2025

$1.2BAssets
$932.1MLoans
$1.1BDeposits
$116.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 10 of 284).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 284 of 290).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.58%

Rank 48 of 290

Net Interest Margin

3.35%

Rank 127 of 290

Efficiency Ratio

42.31%

Rank 17 of 290

Equity / Assets

9.74%

Rank 167 of 290

Non-interest income vs. expense

$0.2M$17.2MINCOMEEXPENSE
Unfavorable gap of $17.0M · efficiency ratio beats 94% of banks $1B-$10B in assets
Bank 42.31%Peer median 60.5%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.82%1.09%1.41%Beats 83%48 / 290
Return on Equity16.19%8.04%10.59%13.08%Beats 88%35 / 290
Net Interest Margin3.35%2.87%3.28%3.78%Beats 56%127 / 290
Efficiency Ratio42.31%53.76%60.51%67.14%Beats 94%17 / 290
Asset Quality
Nonperforming Loans / Loans0.00%0.22%0.49%0.91%Beats 100%10 / 284
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.93%11.52%13.11%15.22%Beats 3%281 / 290
Total Risk-Based Capital Ratio9.93%12.41%14.01%16.12%Beats 2%284 / 290
Equity / Assets9.74%8.94%10.29%11.70%Beats 42%167 / 290
Liquidity & Funding
Loans / Deposits87.07%75.78%87.64%95.53%48th pctl149 / 284
Loans / Assets77.89%64.43%74.03%79.86%66th pctl97 / 284
Brokered Deposits / Deposits34.65%n/a2.01%8.63%Beats 4%275 / 285