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Katahdin Trust Company

Patten, ME · Cert 12874 · Katahdin Bankshares Corp.

State charter, non-member · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

28

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

Katahdin Trust Company

Patten, ME · Cert 12874 · Katahdin Bankshares Corp.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.2BAssets
$930.7MLoans
$965.9MDeposits
$110.2MEquity
Loan mix
82%RE $699.0M18%C&I $154.8M0%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $765.2M21%Noninterest $200.7MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.08%Q2 ’255.11%Q2 ’26+5%+4%

Non-interest income vs. expense

2.70%Q2 ’242.82%Q2 ’252.80%Q2 ’26+4%-1%

Market Position · Bangor, ME · 2026 SOD (annual) · 7.9% share · #5 of 9 inst. · $0.4B of $4.9B

37.5% Aroostook
7.9% Penobscot
0.3% Cumberland

Executive Summary

  • Earnings: ROA of 0.90%, down 4 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.48% of loans (+32 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.00%, up 25 bps from a year ago.
  • Funding: loans stand at 96.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+16 bps YoY

Efficiency Ratio (YTD, annualized)

68.38%-319 bps YoY

Tier 1 Leverage Ratio

10.00%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.96%1.01%0.92%0.90%-4 bps
Return on Equity10.27%10.38%10.81%9.47%9.27%-100 bps
Net Interest Margin3.50%3.57%3.52%3.70%3.65%+16 bps
Efficiency Ratio71.57%70.08%69.29%69.04%68.38%-319 bps
Non-Interest Burden2.36%2.35%2.29%2.40%2.34%-2 bps
Growth
Asset Growth (YoY)4.71%3.91%3.82%3.13%6.68%+197 bps
Loan Growth (YoY)3.82%4.00%5.27%3.52%9.92%+609 bps
Deposit Growth (YoY)8.43%5.74%3.35%2.50%3.32%-512 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.71%0.70%0.52%0.48%+32 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.15%0.07%+6 bps
Allowance / Loans0.98%1.00%0.98%0.95%0.96%-2 bps
Allowance Coverage of NPLs6.0x1.4x1.4x1.8x2.0x-4.0x
Capital
Tier 1 Leverage Ratio9.75%9.94%9.85%10.15%10.00%+25 bps
Total Risk-Based Capital14.31%14.46%14.53%14.41%13.79%-52 bps
Equity / Assets9.26%9.69%9.69%9.79%9.52%+25 bps
Liquidity & Funding
Loans / Deposits90.57%90.72%90.18%92.67%96.36%+578 bps
Liquid Assets / Assets1.28%0.54%2.21%0.35%0.39%-90 bps
CRE / Total Capitaln/a387%393%395%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

Katahdin Trust Company

Patten, ME · Cert 12874 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Katahdin Bankshares Corp.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.2BAssets
$930.7MLoans
$965.9MDeposits
$110.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 94 of 258).
  • Widest gap: return on assets trails 78% of banks $1B-$10B in assets operating in a single state (rank 202 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.87%

Rank 202 of 258

Net Interest Margin

3.65%

Rank 94 of 258

Efficiency Ratio

68.38%

Rank 187 of 257

Equity / Assets

9.52%

Rank 171 of 258

Non-interest income vs. expense

$5.2M$32.1MINCOMEEXPENSE
Unfavorable gap of $26.8M · efficiency ratio beats 28% of banks $1B-$10B in assets operating in a single state
Bank 68.38%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.93%1.23%1.54%Beats 22%202 / 258
Return on Equity9.19%9.26%11.84%14.74%Beats 24%195 / 258
Net Interest Margin3.65%3.16%3.49%3.88%Beats 64%94 / 258
Efficiency Ratio68.38%51.71%60.30%69.65%Beats 28%187 / 257
Asset Quality
Nonperforming Loans / Loans0.48%0.19%0.46%0.90%Beats 46%141 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 39%159 / 258
Capital
Tier 1 Capital Ratio12.71%11.41%12.98%15.12%Beats 45%141 / 258
Total Risk-Based Capital Ratio13.79%12.10%13.91%16.08%Beats 48%134 / 258
Equity / Assets9.52%9.09%10.24%11.72%Beats 34%171 / 258
Liquidity & Funding
Loans / Deposits96.36%73.24%86.34%95.95%76th pctl62 / 258
Loans / Assets80.36%63.01%72.27%78.40%81st pctl50 / 258
Brokered Deposits / Depositsn/aNot reported for this institution