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Letter portraitLegal landscapeQuarterYTD

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 $20.0MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $243.3M33%Noninterest $122.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.09%0.79%0.99%1.04%1.13%1.34%1.29%+30 bps
Return on Equity15.39%15.47%11.43%14.02%14.34%15.11%16.85%16.69%+267 bps
Net Interest Margin2.93%2.86%2.78%2.91%2.98%3.07%3.30%3.24%+33 bps
Efficiency Ratio55.68%55.52%61.74%58.16%57.99%57.34%48.80%50.46%-770 bps
Non-Interest Burden1.43%1.38%1.56%1.50%1.53%1.55%1.13%1.32%-19 bps
Growth
Asset Growth (YoY)13.69%11.07%12.62%9.69%2.47%5.19%10.82%18.52%+882 bps
Loan Growth (YoY)2.81%4.26%6.81%8.79%10.00%13.79%16.69%14.22%+543 bps
Deposit Growth (YoY)7.34%7.85%8.77%0.81%-0.29%1.04%12.24%24.75%+2,393 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.41%0.48%0.56%0.57%0.41%0.25%0.10%-46 bps
Net Charge-Offs / Loans0.21%0.25%0.48%0.27%0.26%0.21%0.05%0.07%-20 bps
Allowance / Loans1.51%1.44%1.37%1.39%1.40%1.43%1.42%1.50%+11 bps
Allowance Coverage of NPLs3.2x3.6x2.9x2.5x2.5x3.5x5.6x15.7x+13.3x
Capital
Tier 1 Leverage Ratio8.59%8.40%8.10%8.28%8.48%8.80%8.80%8.30%+2 bps
Total Risk-Based Capital12.75%12.95%12.08%11.87%12.37%12.57%12.65%12.61%+75 bps
Equity / Assets7.40%6.88%6.91%7.39%7.86%8.17%7.75%7.41%+2 bps
Liquidity & Funding
Loans / Deposits63.38%62.46%64.98%68.66%69.91%70.34%67.55%62.87%-579 bps
Liquid Assets / Assets7.51%7.46%8.14%7.12%6.95%5.70%11.46%12.90%+578 bps
CRE / Total Capitaln/an/an/an/a100.32%104.29%113.00%n/an/a