Neighbors Bank

Clarence, MissouriFDIC Cert #16247

STATEEstablished 19451 branch

Holding company: COLUMBIA BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$235K
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$73M
C&I	$257K
Agriculture	$15M
Other	$259K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$88.8M

+35.2%y/y

Percentile by value31st percentileby value

FDICLNLSGR

Net loans

$88.5M

+35.4%y/y

Percentile by value32nd percentileby value

FDICLNLSNET

Loans YoY

+35.41%

−0.1%y/y

Percentile by value96th percentileby value

FDICLNLSNET

L/D

102.0%

+6.6%y/y

Percentile by value94th percentileby value

FDICLNLSNET + DEP

Loans/assets

77.9%

+5.5%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + ASSET

RE loans %

91.34%

+2.2%y/y

Percentile by value75th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

6,901points

+7.1%y/y

Peer standing3rd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.26%

−44.5%y/y

Percentile by value9th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.29%

−67.5%y/y

Percentile by value4th percentileby value

FDICLNCI + LNLSGR