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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