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Paducah Bank and Trust Company, The

Paducah, KY · Cert 16664 · Paducah Bank Shares Inc.

State charter, Fed member · FED · 6 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

68

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

Paducah Bank and Trust Company, The

Paducah, KY · Cert 16664 · Paducah Bank Shares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.1BAssets
$810.0MLoans
$844.2MDeposits
$106.8MEquity
Loan mix
78%RE $613.1M21%C&I $167.3M1%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $642.8M24%Noninterest $201.4MQ3 2024Q2 2026

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 24.6% share · #1 of 15 inst. · $0.8B of $3.3B

35.2% McCracken
0.1% Jefferson

Executive Summary

  • Earnings: ROA of 1.76%, up 43 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.19% of loans (+16 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.63%, down 30 bps from a year ago.
  • Funding: loans stand at 95.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.76%+43 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+36 bps YoY

Efficiency Ratio (YTD, annualized)

54.60%-645 bps YoY

Tier 1 Leverage Ratio

10.63%-30 bps YoY

NIM

5.29%Q2 ’245.54%Q2 ’255.65%Q2 ’26+15%+10%

Non-interest income vs. expense

2.68%Q2 ’242.76%Q2 ’252.69%Q2 ’26+5%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.11%1.30%1.34%1.38%1.44%1.83%1.76%+43 bps
Return on Equity10.56%10.86%12.42%12.75%13.00%13.46%17.15%16.89%+414 bps
Net Interest Margin3.29%3.36%3.55%3.67%3.87%3.94%4.02%4.03%+36 bps
Efficiency Ratio65.24%64.65%61.82%61.05%60.33%59.26%53.30%54.60%-645 bps
Non-Interest Burden1.88%1.90%1.88%1.92%2.00%1.98%1.73%1.80%-12 bps
Growth
Asset Growth (YoY)6.80%-2.47%7.67%6.64%2.06%8.36%-1.05%3.97%-267 bps
Loan Growth (YoY)1.55%1.21%2.00%2.43%7.33%8.98%7.38%8.43%+600 bps
Deposit Growth (YoY)5.77%-3.64%8.62%6.12%1.57%8.94%0.06%2.56%-355 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.06%0.03%0.03%0.02%0.20%0.19%+16 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.02%0.02%0.02%0.01%0.02%0 bps
Allowance / Loans1.61%1.60%1.60%1.60%1.60%1.58%1.58%1.54%-6 bps
Allowance Coverage of NPLs25.3x26.2x28.8x47.6x53.6x80.2x7.8x7.9x-39.7x
Capital
Tier 1 Leverage Ratio10.80%11.03%10.77%10.92%11.39%11.47%10.43%10.63%-30 bps
Total Risk-Based Capital15.11%15.33%15.36%15.41%15.28%15.18%14.16%14.12%-129 bps
Equity / Assets10.34%10.81%10.17%10.46%11.12%11.13%10.21%10.00%-45 bps
Liquidity & Funding
Loans / Deposits92.33%98.04%88.49%90.76%97.57%98.07%94.97%95.95%+519 bps
Liquid Assets / Assets7.59%2.77%9.30%6.85%2.21%3.07%3.70%6.51%-34 bps
CRE / Total Capitaln/an/an/an/a306%315%343%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

Paducah Bank and Trust Company, The

Paducah, KY · Cert 16664 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Paducah Bank Shares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.1BAssets
$810.0MLoans
$844.2MDeposits
$106.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 31 of 258).
  • Widest gap: equity / assets trails 54% of banks $1B-$10B in assets operating in a single state (rank 140 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.71%

Rank 37 of 258

Net Interest Margin

4.03%

Rank 46 of 258

Efficiency Ratio

54.68%

Rank 84 of 257

Equity / Assets

10.00%

Rank 140 of 258

Non-interest income vs. expense

$9.3M$28.0MINCOMEEXPENSE
Unfavorable gap of $18.7M · efficiency ratio beats 68% of banks $1B-$10B in assets operating in a single state
Bank 54.68%Peer median 60.3%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.71%0.93%1.23%1.54%Beats 86%37 / 258
Return on Equity17.07%9.26%11.84%14.74%Beats 88%31 / 258
Net Interest Margin4.03%3.16%3.49%3.88%Beats 82%46 / 258
Efficiency Ratio54.68%51.71%60.30%69.65%Beats 68%84 / 257
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.46%0.90%Beats 74%67 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 65%91 / 258
Capital
Tier 1 Capital Ratio12.87%11.41%12.98%15.12%Beats 48%134 / 258
Total Risk-Based Capital Ratio14.12%12.10%13.91%16.08%Beats 52%124 / 258
Equity / Assets10.00%9.09%10.24%11.72%Beats 46%140 / 258
Liquidity & Funding
Loans / Deposits95.95%73.24%86.34%95.95%75th pctl65 / 258
Loans / Assets75.89%63.01%72.27%78.40%62nd pctl97 / 258
Brokered Deposits / Depositsn/aNot reported for this institution