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Independent Correspondent Bankers' Bank, Inc.

Frankfort, KY · Cert 27219 · Independent Cmty Bcorp Inc.

State charter, Fed member · FED · 1 branch

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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

7

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

Independent Correspondent Bankers' Bank, Inc.

Frankfort, KY · Cert 27219 · Independent Cmty Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$151.4MAssets
$82.6MLoans
$82.5MDeposits
$21.1MEquity
Loan mix
91%RE $63.3M9%C&I $6.0M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
48%Interest-bearing $39.8M52%Noninterest $42.7MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.45%Q2 ’255.18%Q2 ’26+7%+2%

Non-interest income vs. expense

3.17%Q2 ’243.25%Q2 ’253.54%Q2 ’26-14%+35%

Executive Summary

  • Earnings: ROA of 0.73%, down 24 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.99% of loans (+99 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.21%, down 51 bps from a year ago.
  • Funding: loans stand at 100.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+6 bps YoY

Efficiency Ratio (YTD, annualized)

81.97%+1,049 bps YoY

Tier 1 Leverage Ratio

13.21%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.99%0.95%0.56%0.73%-24 bps
Return on Equity7.11%7.20%6.86%3.90%5.08%-202 bps
Net Interest Margin2.95%2.96%2.90%2.75%3.00%+6 bps
Efficiency Ratio71.47%71.28%72.75%83.60%81.97%+1,049 bps
Non-Interest Burden1.65%1.64%1.69%2.09%2.22%+57 bps
Growth
Asset Growth (YoY)-1.98%2.40%0.55%-1.73%6.68%+866 bps
Loan Growth (YoY)0.26%2.14%12.24%4.70%1.96%+170 bps
Deposit Growth (YoY)15.69%17.59%11.53%49.55%25.93%+1,024 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.06%0.96%0.96%0.99%+99 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.40%1.42%1.32%1.33%1.40%0 bps
Allowance Coverage of NPLsn/a1.3x1.4x1.4x1.4xn/a
Capital
Tier 1 Leverage Ratio13.72%13.98%13.56%12.70%13.21%-51 bps
Total Risk-Based Capital23.48%23.28%22.36%22.57%23.90%+42 bps
Equity / Assets14.07%14.02%14.26%14.65%13.94%-12 bps
Liquidity & Funding
Loans / Deposits123.62%105.67%115.55%84.70%100.08%-2,353 bps
Liquid Assets / Assets41.23%42.41%38.48%34.41%39.12%-210 bps
CRE / Total Capitaln/a285%301%289%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

Independent Correspondent Bankers' Bank, Inc.

Frankfort, KY · Cert 27219 · Peer group: banks under $1B in assets in KY (n=69) · Independent Cmty Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$151.4MAssets
$82.6MLoans
$82.5MDeposits
$21.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KY (rank 7 of 69).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in KY (rank 65 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.70%

Rank 61 of 69

Net Interest Margin

3.00%

Rank 64 of 69

Efficiency Ratio

81.97%

Rank 65 of 69

Equity / Assets

13.94%

Rank 13 of 69

Non-interest income vs. expense

$2.1M$5.7MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 7% of banks under $1B in assets in KY
Bank 81.97%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.83%1.18%1.44%Beats 12%61 / 69
Return on Equity5.02%7.64%11.70%15.70%Beats 13%60 / 69
Net Interest Margin3.00%3.45%3.75%3.96%Beats 7%64 / 69
Efficiency Ratio81.97%55.32%62.99%70.80%Beats 7%65 / 69
Asset Quality
Nonperforming Loans / Loans0.99%0.18%0.52%1.14%Beats 30%49 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 100%7 / 69
Capital
Tier 1 Capital Ratio22.65%11.33%13.58%16.27%Beats 86%10 / 69
Total Risk-Based Capital Ratio23.90%11.55%14.43%17.27%Beats 86%10 / 69
Equity / Assets13.94%8.31%9.91%12.53%Beats 81%13 / 69
Liquidity & Funding
Loans / Deposits100.08%71.40%81.07%88.03%88th pctl8 / 69
Loans / Assets54.57%61.10%68.66%76.68%17th pctl57 / 69
Brokered Deposits / Depositsn/aNot reported for this institution