PackageTrendsPeer
Letter portraitLegal landscape

Kish Bank

Belleville, PA · Cert 14969 · Kish Bcorp Inc.

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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

47

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

Kish Bank

Belleville, PA · Cert 14969 · Kish Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.5BDeposits
$175.1MEquity
Loan mix
90%RE $1.5B10%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.3B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.49%Q2 ’245.52%Q2 ’255.53%Q2 ’26+2%+6%

Non-interest income vs. expense

2.59%Q2 ’242.60%Q2 ’252.46%Q2 ’26+2%-7%

Market Position · State College, PA · 2026 SOD (annual) · 12.6% share · #3 of 16 inst. · $0.6B of $4.6B

12.6% Centre
49.4% Mifflin
29.3% Huntingdon
2.2% Blair

Executive Summary

  • Earnings: ROA of 1.18%, up 21 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.57% of loans (+54 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.92%, up 2 bps from a year ago.
  • Funding: loans stand at 117.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+20 bps YoY

Efficiency Ratio (YTD, annualized)

61.25%-690 bps YoY

Tier 1 Leverage Ratio

8.92%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.04%1.10%1.16%1.18%+21 bps
Return on Equity11.53%12.52%13.15%13.71%13.92%+239 bps
Net Interest Margin3.14%3.14%3.12%3.33%3.35%+20 bps
Efficiency Ratio68.15%65.69%64.33%61.62%61.25%-690 bps
Non-Interest Burden1.92%1.82%1.76%1.78%1.78%-14 bps
Growth
Asset Growth (YoY)13.82%16.20%16.62%11.84%13.66%-16 bps
Loan Growth (YoY)17.84%20.21%19.39%14.36%14.39%-346 bps
Deposit Growth (YoY)6.97%7.62%13.68%16.41%11.50%+454 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.04%0.04%0.60%0.57%+54 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.03%+4 bps
Allowance / Loans0.65%0.65%0.65%0.70%0.70%+4 bps
Allowance Coverage of NPLs20.1x17.8x17.0x1.2x1.2x-18.9x
Capital
Tier 1 Leverage Ratio8.91%8.92%8.84%8.88%8.92%+2 bps
Total Risk-Based Capital10.55%10.51%10.57%10.99%10.87%+33 bps
Equity / Assets8.30%8.26%8.37%8.57%8.40%+10 bps
Liquidity & Funding
Loans / Deposits114.37%118.37%114.77%112.91%117.33%+296 bps
Liquid Assets / Assets0.75%0.49%0.40%0.31%0.33%-41 bps
CRE / Total Capitaln/a545%548%527%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

Kish Bank

Belleville, PA · Cert 14969 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Kish Bcorp Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.5BDeposits
$175.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 92 of 258).
  • Widest gap: tier 1 capital ratio trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.13%

Rank 144 of 258

Net Interest Margin

3.35%

Rank 157 of 258

Efficiency Ratio

61.25%

Rank 138 of 257

Equity / Assets

8.40%

Rank 226 of 258

Non-interest income vs. expense

$13.8M$50.1MINCOMEEXPENSE
Unfavorable gap of $36.2M · efficiency ratio beats 47% of banks $1B-$10B in assets operating in a single state
Bank 61.25%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.93%1.23%1.54%Beats 44%144 / 258
Return on Equity13.51%9.26%11.84%14.74%Beats 64%92 / 258
Net Interest Margin3.35%3.16%3.49%3.88%Beats 39%157 / 258
Efficiency Ratio61.25%51.71%60.30%69.65%Beats 47%138 / 257
Asset Quality
Nonperforming Loans / Loans0.57%0.19%0.46%0.90%Beats 37%163 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 61%101 / 258
Capital
Tier 1 Capital Ratio10.08%11.41%12.98%15.12%Beats 9%235 / 258
Total Risk-Based Capital Ratio10.87%12.10%13.91%16.08%Beats 16%218 / 258
Equity / Assets8.40%9.09%10.24%11.72%Beats 12%226 / 258
Liquidity & Funding
Loans / Deposits117.33%73.24%86.34%95.95%96th pctl11 / 258
Loans / Assets85.44%63.01%72.27%78.40%95th pctl14 / 258
Brokered Deposits / Depositsn/aNot reported for this institution