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FNB Bank, Inc.

Mayfield, KY · Cert 2759 · Jackson Financial Corp.

State charter, non-member · FDIC · 10 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

54

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

FNB Bank, Inc.

Mayfield, KY · Cert 2759 · Jackson Financial Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$770.0MAssets
$517.3MLoans
$706.4MDeposits
$59.8MEquity
Loan mix
77%RE $370.8M13%C&I $62.8M10%Consumer $49.6MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $510.9M28%Noninterest $195.5MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.02%Q2 ’255.12%Q2 ’26+4%+5%

Non-interest income vs. expense

2.62%Q2 ’242.45%Q2 ’252.42%Q2 ’26-4%-6%

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 2.6% share · #12 of 19 inst. · $0.2B of $6.2B

40.3% Graves
52.8% Trigg
6.7% Calloway
3.5% McCracken

Executive Summary

  • Earnings: ROA of 1.23%, up 20 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.68% of loans (+49 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.48%, down 5 bps from a year ago.
  • Funding: loans stand at 73.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+16 bps YoY

Efficiency Ratio (YTD, annualized)

56.70%-404 bps YoY

Tier 1 Leverage Ratio

8.48%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.01%0.97%1.31%1.23%+20 bps
Return on Equity14.00%13.29%12.67%16.63%15.74%+175 bps
Net Interest Margin3.14%3.17%3.18%3.31%3.29%+16 bps
Efficiency Ratio60.73%61.15%62.03%55.21%56.70%-404 bps
Non-Interest Burden1.76%1.80%1.85%1.54%1.66%-11 bps
Growth
Asset Growth (YoY)7.73%7.68%8.76%8.10%6.72%-101 bps
Loan Growth (YoY)2.74%4.74%5.92%5.27%5.52%+277 bps
Deposit Growth (YoY)9.02%10.50%7.90%7.82%6.67%-235 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.16%0.16%0.67%0.68%+49 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.03%0.02%+3 bps
Allowance / Loans1.69%1.71%1.72%1.75%1.72%+3 bps
Allowance Coverage of NPLs9.3x10.5x10.6x2.6x2.5x-6.7x
Capital
Tier 1 Leverage Ratio8.53%8.67%8.60%8.61%8.48%-5 bps
Total Risk-Based Capital13.12%13.17%13.15%13.52%13.43%+31 bps
Equity / Assets7.60%8.04%7.95%7.76%7.77%+17 bps
Liquidity & Funding
Loans / Deposits74.03%75.13%74.43%71.94%73.23%-80 bps
Liquid Assets / Assets7.14%5.99%7.53%9.89%7.25%+11 bps
CRE / Total Capitaln/a261%272%270%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

FNB Bank, Inc.

Mayfield, KY · Cert 2759 · Peer group: banks under $1B in assets in KY (n=69) · Jackson Financial Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$770.0MAssets
$517.3MLoans
$706.4MDeposits
$59.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 74% of banks under $1B in assets in KY (rank 18 of 69).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets in KY (rank 55 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.22%

Rank 32 of 69

Net Interest Margin

3.29%

Rank 54 of 69

Efficiency Ratio

59.78%

Rank 33 of 69

Equity / Assets

7.77%

Rank 55 of 69

Non-interest income vs. expense

$5.9M$18.8MINCOMEEXPENSE
Unfavorable gap of $12.9M · efficiency ratio beats 54% of banks under $1B in assets in KY
Bank 59.78%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.83%1.18%1.44%Beats 54%32 / 69
Return on Equity15.70%7.64%11.70%15.70%Beats 74%18 / 69
Net Interest Margin3.29%3.45%3.75%3.96%Beats 22%54 / 69
Efficiency Ratio59.78%55.32%62.99%70.80%Beats 54%33 / 69
Asset Quality
Nonperforming Loans / Loans0.68%0.18%0.52%1.14%Beats 41%42 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 62%27 / 69
Capital
Tier 1 Capital Ratio12.17%11.33%13.58%16.27%Beats 33%46 / 69
Total Risk-Based Capital Ratio13.43%11.55%14.43%17.27%Beats 42%40 / 69
Equity / Assets7.77%8.31%9.91%12.53%Beats 20%55 / 69
Liquidity & Funding
Loans / Deposits73.23%71.40%81.07%88.03%28th pctl50 / 69
Loans / Assets67.18%61.10%68.66%76.68%41st pctl41 / 69
Brokered Deposits / Depositsn/aNot reported for this institution