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Casey County Bank, Inc., The

Liberty, KY · Cert 15708 · Casey County Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

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 under $1B in assets in KY (n=69). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

83

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

Casey County Bank, Inc., The

Liberty, KY · Cert 15708 · Casey County Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$508.4MAssets
$229.8MLoans
$365.6MDeposits
$37.7MEquity
Loan mix
72%RE $159.9M19%C&I $41.0M9%Consumer $20.0MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $243.3M33%Noninterest $122.4MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.10%Q2 ’255.10%Q2 ’26-3%+11%

Non-interest income vs. expense

1.94%Q2 ’241.95%Q2 ’251.96%Q2 ’26+1%-13%

Executive Summary

  • Earnings: ROA of 1.29%, up 30 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.10% of loans (-46 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.30%, up 2 bps from a year ago.
  • Funding: loans stand at 62.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+33 bps YoY

Efficiency Ratio (YTD, annualized)

50.46%-770 bps YoY

Tier 1 Leverage Ratio

8.30%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.04%1.13%1.34%1.29%+30 bps
Return on Equity14.02%14.34%15.11%16.85%16.69%+267 bps
Net Interest Margin2.91%2.98%3.07%3.30%3.24%+33 bps
Efficiency Ratio58.16%57.99%57.34%48.80%50.46%-770 bps
Non-Interest Burden1.50%1.53%1.55%1.13%1.32%-19 bps
Growth
Asset Growth (YoY)9.69%2.47%5.19%10.82%18.52%+882 bps
Loan Growth (YoY)8.79%10.00%13.79%16.69%14.22%+543 bps
Deposit Growth (YoY)0.81%-0.29%1.04%12.24%24.75%+2,393 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.57%0.41%0.25%0.10%-46 bps
Net Charge-Offs / Loans0.27%0.26%0.21%0.05%0.07%-20 bps
Allowance / Loans1.39%1.40%1.43%1.42%1.50%+11 bps
Allowance Coverage of NPLs2.5x2.5x3.5x5.6x15.7x+13.3x
Capital
Tier 1 Leverage Ratio8.28%8.48%8.80%8.80%8.30%+2 bps
Total Risk-Based Capital11.87%12.37%12.57%12.65%12.61%+75 bps
Equity / Assets7.39%7.86%8.17%7.75%7.41%+2 bps
Liquidity & Funding
Loans / Deposits68.66%69.91%70.34%67.55%62.87%-579 bps
Liquid Assets / Assets7.12%6.95%5.70%11.46%12.90%+578 bps
CRE / Total Capitaln/a100.32%104.29%113.00%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

Casey County Bank, Inc., The

Liberty, KY · Cert 15708 · Peer group: banks under $1B in assets in KY (n=69) · Casey County Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$508.4MAssets
$229.8MLoans
$365.6MDeposits
$37.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 86% of banks under $1B in assets in KY (rank 11 of 69).
  • Widest gap: equity / assets trails 88% of banks under $1B in assets in KY (rank 61 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 34 of 69

Net Interest Margin

3.24%

Rank 57 of 69

Efficiency Ratio

50.46%

Rank 13 of 69

Equity / Assets

7.41%

Rank 61 of 69

Non-interest income vs. expense

$3.2M$9.7MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 83% of banks under $1B in assets in KY
Bank 50.46%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.83%1.18%1.44%Beats 51%34 / 69
Return on Equity16.29%7.64%11.70%15.70%Beats 80%14 / 69
Net Interest Margin3.24%3.45%3.75%3.96%Beats 17%57 / 69
Efficiency Ratio50.46%55.32%62.99%70.80%Beats 83%13 / 69
Asset Quality
Nonperforming Loans / Loans0.10%0.18%0.52%1.14%Beats 86%11 / 69
Net Charge-Offs / Loans0.07%0.01%0.02%0.06%Beats 20%56 / 69
Capital
Tier 1 Capital Ratio11.63%11.33%13.58%16.27%Beats 30%48 / 69
Total Risk-Based Capital Ratio12.61%11.55%14.43%17.27%Beats 32%47 / 69
Equity / Assets7.41%8.31%9.91%12.53%Beats 12%61 / 69
Liquidity & Funding
Loans / Deposits62.87%71.40%81.07%88.03%14th pctl59 / 69
Loans / Assets45.21%61.10%68.66%76.68%10th pctl62 / 69
Brokered Deposits / Depositsn/aNot reported for this institution