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First Kentucky Bank, Inc.

Mayfield, KY · Cert 21247 · Exchange Bancshares Inc.

State charter, non-member · FDIC · 11 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

35

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

First Kentucky Bank, Inc.

Mayfield, KY · Cert 21247 · Exchange Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$585.6MAssets
$361.5MLoans
$508.2MDeposits
$45.2MEquity
Loan mix
82%RE $283.9M8%C&I $26.7M10%Consumer $36.0MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $401.7M21%Noninterest $106.5MQ3 2024Q2 2026

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 1.5% share · #13 of 15 inst. · $0.0B of $3.3B

23.9% Graves
18.4% Muhlenberg
7.9% Marshall
12.6% Ohio

Executive Summary

  • Earnings: ROA of 0.99%, up 12 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.25% of loans (+4 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.35%, up 35 bps from a year ago.
  • Funding: loans stand at 71.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.40%-226 bps YoY

Tier 1 Leverage Ratio

9.35%+35 bps YoY

NIM

4.50%Q2 ’244.72%Q2 ’254.80%Q2 ’26+15%+9%

Non-interest income vs. expense

2.48%Q2 ’242.54%Q2 ’252.65%Q2 ’26+4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.70%0.77%0.86%0.88%0.87%0.97%0.99%+12 bps
Return on Equity10.42%11.12%11.78%12.88%12.82%12.51%12.91%13.05%+17 bps
Net Interest Margin2.64%2.66%2.90%2.99%3.04%3.06%3.19%3.25%+26 bps
Efficiency Ratio75.45%74.22%71.05%69.67%69.00%70.04%67.71%67.40%-226 bps
Non-Interest Burden1.81%1.79%1.87%1.88%1.88%1.94%1.94%1.97%+9 bps
Growth
Asset Growth (YoY)3.32%1.99%1.53%0.33%3.66%2.01%0.99%1.32%+99 bps
Loan Growth (YoY)3.51%0.12%-0.18%1.34%3.01%2.17%0.92%1.29%-4 bps
Deposit Growth (YoY)-1.67%0.72%-0.53%-0.62%1.82%-0.25%0.13%0.04%+66 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.18%0.26%0.21%0.25%0.19%0.23%0.25%+4 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.02%0.05%0.04%+3 bps
Allowance / Loans1.31%1.32%1.34%1.33%1.35%1.35%1.35%1.35%+2 bps
Allowance Coverage of NPLs15.1x7.4x5.2x6.3x5.4x7.0x6.0x5.3x-1.0x
Capital
Tier 1 Leverage Ratio8.84%8.91%8.89%9.00%9.05%9.07%9.24%9.35%+35 bps
Total Risk-Based Capital14.20%14.50%14.37%14.26%14.06%14.54%14.77%15.01%+75 bps
Equity / Assets7.01%6.39%6.67%7.06%7.28%7.54%7.45%7.72%+66 bps
Liquidity & Funding
Loans / Deposits70.25%68.86%68.10%70.26%71.07%70.53%68.63%71.14%+88 bps
Liquid Assets / Assets10.48%13.23%13.39%10.72%11.61%12.26%12.50%10.50%-22 bps
CRE / Total Capitaln/an/an/an/a237%234%226%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

First Kentucky Bank, Inc.

Mayfield, KY · Cert 21247 · Peer group: banks under $1B in assets in KY (n=69) · Exchange Bancshares Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$585.6MAssets
$361.5MLoans
$508.2MDeposits
$45.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 64% of banks under $1B in assets in KY (rank 26 of 69).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets in KY (rank 56 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.99%

Rank 45 of 69

Net Interest Margin

3.25%

Rank 56 of 69

Efficiency Ratio

67.40%

Rank 46 of 69

Equity / Assets

7.72%

Rank 56 of 69

Non-interest income vs. expense

$4.1M$16.0MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 35% of banks under $1B in assets in KY
Bank 67.40%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.99%0.83%1.18%1.44%Beats 35%45 / 69
Return on Equity12.88%7.64%11.70%15.70%Beats 58%29 / 69
Net Interest Margin3.25%3.45%3.75%3.96%Beats 19%56 / 69
Efficiency Ratio67.40%55.32%62.99%70.80%Beats 35%46 / 69
Asset Quality
Nonperforming Loans / Loans0.25%0.18%0.52%1.14%Beats 64%26 / 69
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 49%36 / 69
Capital
Tier 1 Capital Ratio13.78%11.33%13.58%16.27%Beats 51%34 / 69
Total Risk-Based Capital Ratio15.01%11.55%14.43%17.27%Beats 54%32 / 69
Equity / Assets7.72%8.31%9.91%12.53%Beats 19%56 / 69
Liquidity & Funding
Loans / Deposits71.14%71.40%81.07%88.03%23rd pctl53 / 69
Loans / Assets61.74%61.10%68.66%76.68%26th pctl51 / 69
Brokered Deposits / Depositsn/aNot reported for this institution