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Meade County Bank, Inc.

Brandenburg, KY · Cert 25173 · Meade Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (7 in holding)

Q2 2026

$458.4MAssets
$387.7MLoans
$384.4MDeposits
$37.0MEquity
Loan mix
93%RE $354.2M4%C&I $16.7M3%Consumer $11.3MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $306.2M20%Noninterest $78.2MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.39%Q2 ’255.49%Q2 ’26+20%+5%

Non-interest income vs. expense

1.86%Q2 ’242.00%Q2 ’251.98%Q2 ’26+9%-2%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.8% share · #18 of 43 inst. · $0.4B of $48.2B

Executive Summary

  • Earnings: ROA of 1.15%, up 14 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.84%, up 17 bps from a year ago.
  • Funding: loans stand at 100.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+14 bps YoY

Efficiency Ratio (YTD, annualized)

57.16%-325 bps YoY

Tier 1 Leverage Ratio

8.84%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.11%1.17%1.34%1.15%+14 bps
Return on Equity13.92%15.10%15.76%17.34%14.68%+76 bps
Net Interest Margin3.00%3.03%3.05%3.27%3.14%+14 bps
Efficiency Ratio60.41%57.28%56.78%51.26%57.16%-325 bps
Non-Interest Burden1.69%1.60%1.57%1.52%1.66%-3 bps
Growth
Asset Growth (YoY)6.72%7.30%8.87%9.93%6.17%-55 bps
Loan Growth (YoY)9.99%10.58%10.42%8.97%8.24%-175 bps
Deposit Growth (YoY)7.37%8.12%9.56%10.45%6.23%-115 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.21%0.07%0.19%+19 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.02%+1 bps
Allowance / Loans0.31%0.31%0.32%0.31%0.32%+1 bps
Allowance Coverage of NPLs185.2x11.5x1.5x4.2x1.7x-183.5x
Capital
Tier 1 Leverage Ratio8.67%8.78%8.86%8.96%8.84%+17 bps
Total Risk-Based Capital12.68%12.63%12.96%13.05%13.34%+66 bps
Equity / Assets7.31%7.61%7.81%7.64%8.07%+76 bps
Liquidity & Funding
Loans / Deposits98.99%100.82%100.27%97.51%100.87%+188 bps
Liquid Assets / Assets2.21%1.03%1.41%4.24%1.73%-48 bps
CRE / Total Capitaln/a345%340%340%n/an/a