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Bank of Hindman

Hindman, KY · Cert 289 · Community Exc Bancshares Inc.

State charter, non-member · FDIC · 2 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

19

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

Bank of Hindman

Hindman, KY · Cert 289 · Community Exc Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$259.7MAssets
$119.2MLoans
$211.4MDeposits
$19.5MEquity
Loan mix
81%RE $98.1M14%C&I $16.6M6%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $170.8M19%Noninterest $40.5MQ2 2025Q2 2026

NIM

3.39%Q2 ’243.62%Q2 ’253.91%Q2 ’26+9%+23%

Non-interest income vs. expense

1.51%Q2 ’241.44%Q2 ’251.49%Q2 ’26-2%+5%

Executive Summary

  • Earnings: ROA of 0.48%, up 21 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 0.91% of loans (-107 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.19%, up 9 bps from a year ago.
  • Funding: loans stand at 56.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+21 bps YoY

Net Interest Margin (YTD, annualized)

1.90%+36 bps YoY

Efficiency Ratio (YTD, annualized)

73.40%-1,163 bps YoY

Tier 1 Leverage Ratio

9.19%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.33%0.35%0.43%0.48%+21 bps
Return on Equity4.34%5.20%5.31%6.00%6.56%+222 bps
Net Interest Margin1.54%1.60%1.61%1.83%1.90%+36 bps
Efficiency Ratio85.03%81.77%80.73%75.02%73.40%-1,163 bps
Non-Interest Burden1.26%1.25%1.24%1.31%1.32%+7 bps
Growth
Asset Growth (YoY)-0.17%-1.48%3.65%1.30%-1.13%-97 bps
Loan Growth (YoY)5.31%3.76%4.21%-1.12%-2.76%-808 bps
Deposit Growth (YoY)-0.78%-1.79%3.31%1.24%-0.78%0 bps
Asset Quality
Nonperforming Loans / Loans1.98%1.71%0.75%1.80%0.91%-107 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.31%0.14%+13 bps
Allowance / Loans1.20%1.20%1.18%1.13%1.22%+1 bps
Allowance Coverage of NPLs0.6x0.7x1.6x0.6x1.3x+0.7x
Capital
Tier 1 Leverage Ratio9.11%9.29%9.10%9.08%9.19%+9 bps
Total Risk-Based Capital16.11%16.51%16.19%16.56%16.93%+82 bps
Equity / Assets6.46%7.30%7.33%7.09%7.51%+105 bps
Liquidity & Funding
Loans / Deposits57.55%59.56%57.22%55.92%56.40%-115 bps
Liquid Assets / Assets8.65%7.68%10.24%11.55%9.12%+47 bps
CRE / Total Capitaln/a240%241%238%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

Bank of Hindman

Hindman, KY · Cert 289 · Peer group: banks under $1B in assets in KY (n=69) · Community Exc Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$259.7MAssets
$119.2MLoans
$211.4MDeposits
$19.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 71% of banks under $1B in assets in KY (rank 20 of 69).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in KY (rank 68 of 69).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.49%

Rank 64 of 69

Net Interest Margin

1.90%

Rank 68 of 69

Efficiency Ratio

73.40%

Rank 57 of 69

Equity / Assets

7.51%

Rank 60 of 69

Non-interest income vs. expense

$0.5M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 19% of banks under $1B in assets in KY
Bank 73.40%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.49%0.83%1.18%1.44%Beats 7%64 / 69
Return on Equity6.52%7.64%11.70%15.70%Beats 16%58 / 69
Net Interest Margin1.90%3.45%3.75%3.96%Beats 1%68 / 69
Efficiency Ratio73.40%55.32%62.99%70.80%Beats 19%57 / 69
Asset Quality
Nonperforming Loans / Loans0.91%0.18%0.52%1.14%Beats 35%46 / 69
Net Charge-Offs / Loans0.09%0.01%0.02%0.06%Beats 14%60 / 69
Capital
Tier 1 Capital Ratio15.95%11.33%13.58%16.27%Beats 71%20 / 69
Total Risk-Based Capital Ratio16.93%11.55%14.43%17.27%Beats 71%20 / 69
Equity / Assets7.51%8.31%9.91%12.53%Beats 13%60 / 69
Liquidity & Funding
Loans / Deposits56.40%71.40%81.07%88.03%9th pctl63 / 69
Loans / Assets45.90%61.10%68.66%76.68%12th pctl61 / 69
Brokered Deposits / Depositsn/aNot reported for this institution