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Auburn Banking Company

Auburn, KY · Cert 284 · First Community Bcorp Inc.

State charter, non-member · FDIC · 3 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

55

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

Auburn Banking Company

Auburn, KY · Cert 284 · First Community Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$164.3MAssets
$125.8MLoans
$149.8MDeposits
$11.4MEquity
Loan mix
89%RE $100.4M8%C&I $8.6M4%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $106.1M29%Noninterest $43.7MQ2 2025Q2 2026

NIM

5.67%Q2 ’245.75%Q2 ’255.68%Q2 ’260%0%

Non-interest income vs. expense

2.49%Q2 ’242.51%Q2 ’252.54%Q2 ’26+2%+1%

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 0.3% share · #16 of 19 inst. · $0.0B of $6.2B

16.5% Logan
1.3% Christian

Executive Summary

  • Earnings: ROA of 1.30%, down 9 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.65% of loans (+49 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.26%, down 27 bps from a year ago.
  • Funding: loans stand at 84.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-1 bps YoY

Efficiency Ratio (YTD, annualized)

59.47%+83 bps YoY

Tier 1 Leverage Ratio

8.26%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.39%1.23%1.28%1.30%-9 bps
Return on Equity20.10%19.71%17.36%17.49%18.10%-201 bps
Net Interest Margin3.86%3.93%3.81%3.87%3.85%-1 bps
Efficiency Ratio58.63%58.43%59.63%61.12%59.47%+83 bps
Non-Interest Burden2.09%2.12%2.12%2.20%2.12%+3 bps
Growth
Asset Growth (YoY)0.99%3.28%10.05%10.82%17.46%+1,646 bps
Loan Growth (YoY)1.24%3.96%8.02%8.42%17.21%+1,596 bps
Deposit Growth (YoY)4.72%5.09%14.12%14.75%19.54%+1,483 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.46%0.40%0.31%0.65%+49 bps
Net Charge-Offs / Loans0.04%0.04%0.04%-0.01%0.02%-2 bps
Allowance / Loans0.72%0.73%0.77%0.77%0.76%+4 bps
Allowance Coverage of NPLs4.8x1.6x1.9x2.5x1.2x-3.6x
Capital
Tier 1 Leverage Ratio8.53%8.76%8.58%8.52%8.26%-27 bps
Total Risk-Based Capital12.43%12.39%12.44%12.37%11.80%-63 bps
Equity / Assets7.12%7.39%7.26%7.35%6.93%-20 bps
Liquidity & Funding
Loans / Deposits85.69%87.67%84.06%83.75%84.01%-167 bps
Liquid Assets / Assets0.11%0.15%0.13%0.11%0.14%+3 bps
CRE / Total Capitaln/a196.86%204%196.34%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

Auburn Banking Company

Auburn, KY · Cert 284 · Peer group: banks under $1B in assets in KY (n=69) · First Community Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$164.3MAssets
$125.8MLoans
$149.8MDeposits
$11.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets in KY (rank 8 of 69).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in KY (rank 62 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 27 of 69

Net Interest Margin

3.85%

Rank 27 of 69

Efficiency Ratio

59.47%

Rank 32 of 69

Equity / Assets

6.93%

Rank 62 of 69

Non-interest income vs. expense

$0.7M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 55% of banks under $1B in assets in KY
Bank 59.47%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.83%1.18%1.44%Beats 61%27 / 69
Return on Equity17.96%7.64%11.70%15.70%Beats 88%8 / 69
Net Interest Margin3.85%3.45%3.75%3.96%Beats 61%27 / 69
Efficiency Ratio59.47%55.32%62.99%70.80%Beats 55%32 / 69
Asset Quality
Nonperforming Loans / Loans0.65%0.18%0.52%1.14%Beats 42%41 / 69
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 54%33 / 69
Capital
Tier 1 Capital Ratio11.00%11.33%13.58%16.27%Beats 20%55 / 69
Total Risk-Based Capital Ratio11.80%11.55%14.43%17.27%Beats 26%51 / 69
Equity / Assets6.93%8.31%9.91%12.53%Beats 10%62 / 69
Liquidity & Funding
Loans / Deposits84.01%71.40%81.07%88.03%58th pctl29 / 69
Loans / Assets76.61%61.10%68.66%76.68%72nd pctl19 / 69
Brokered Deposits / Depositsn/aNot reported for this institution