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Hyden Citizens Bank, Inc.

Hyden, KY · Cert 281 · Middlefork Financial Group Inc.

State charter, non-member · FDIC · 4 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

41

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

Hyden Citizens Bank, Inc.

Hyden, KY · Cert 281 · Middlefork Financial Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 4 branches (7 in holding)

Q2 2026

$148.6MAssets
$82.0MLoans
$134.8MDeposits
$9.9MEquity
Loan mix
87%RE $67.4M7%C&I $5.6M6%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $99.2M26%Noninterest $35.6MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.71%Q2 ’254.90%Q2 ’26+16%+11%

Non-interest income vs. expense

2.95%Q2 ’243.11%Q2 ’253.12%Q2 ’26+0%-12%

Executive Summary

  • Earnings: ROA of 1.23%, up 49 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.54% of loans (+27 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.18%, up 33 bps from a year ago.
  • Funding: loans stand at 60.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+36 bps YoY

Efficiency Ratio (YTD, annualized)

66.50%-1,089 bps YoY

Tier 1 Leverage Ratio

9.18%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.75%0.82%0.80%1.23%+49 bps
Return on Equity13.78%13.36%14.16%12.16%18.63%+485 bps
Net Interest Margin3.42%3.54%3.57%3.83%3.78%+36 bps
Efficiency Ratio77.39%76.71%74.51%73.60%66.50%-1,089 bps
Non-Interest Burden2.51%2.58%2.52%2.71%2.21%-30 bps
Growth
Asset Growth (YoY)0.71%-1.69%0.92%-0.17%3.33%+262 bps
Loan Growth (YoY)1.76%-2.38%-0.88%-0.97%2.08%+32 bps
Deposit Growth (YoY)1.91%-4.03%-4.51%-2.54%1.89%-2 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.35%0.35%0.33%0.54%+27 bps
Net Charge-Offs / Loans0.01%0.02%0.04%0.02%0.03%+2 bps
Allowance / Loans1.00%0.98%0.96%0.95%0.96%-4 bps
Allowance Coverage of NPLs3.6x2.8x2.7x2.9x1.8x-1.9x
Capital
Tier 1 Leverage Ratio8.84%8.91%9.08%9.07%9.18%+33 bps
Total Risk-Based Capital13.17%13.35%13.29%13.36%14.35%+118 bps
Equity / Assets5.74%6.18%6.65%6.49%6.67%+93 bps
Liquidity & Funding
Loans / Deposits60.69%62.57%64.60%64.90%60.80%+11 bps
Liquid Assets / Assets0.22%0.22%0.21%0.20%0.20%-2 bps
CRE / Total Capitaln/a240%257%244%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

Hyden Citizens Bank, Inc.

Hyden, KY · Cert 281 · Peer group: banks under $1B in assets in KY (n=69) · Middlefork Financial Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 4 branches (7 in holding)

Q2 2026

$148.6MAssets
$82.0MLoans
$134.8MDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in KY (rank 64 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 33 of 69

Net Interest Margin

3.78%

Rank 33 of 69

Efficiency Ratio

66.50%

Rank 42 of 69

Equity / Assets

6.67%

Rank 64 of 69

Non-interest income vs. expense

$1.4M$4.8MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 41% of banks under $1B in assets in KY
Bank 66.50%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.83%1.18%1.44%Beats 52%33 / 69
Return on Equity18.16%7.64%11.70%15.70%Beats 91%6 / 69
Net Interest Margin3.78%3.45%3.75%3.96%Beats 52%33 / 69
Efficiency Ratio66.50%55.32%62.99%70.80%Beats 41%42 / 69
Asset Quality
Nonperforming Loans / Loans0.54%0.18%0.52%1.14%Beats 49%36 / 69
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 57%31 / 69
Capital
Tier 1 Capital Ratio13.58%11.33%13.58%16.27%Beats 49%35 / 69
Total Risk-Based Capital Ratio14.35%11.55%14.43%17.27%Beats 48%36 / 69
Equity / Assets6.67%8.31%9.91%12.53%Beats 7%64 / 69
Liquidity & Funding
Loans / Deposits60.80%71.40%81.07%88.03%12th pctl61 / 69
Loans / Assets55.16%61.10%68.66%76.68%20th pctl55 / 69
Brokered Deposits / Depositsn/aNot reported for this institution