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Century Bank of Kentucky, Inc.

Lawrenceburg, KY · Cert 35450 · Century 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

88

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

Century Bank of Kentucky, Inc.

Lawrenceburg, KY · Cert 35450 · Century Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$208.1MAssets
$142.9MLoans
$188.0MDeposits
$19.6MEquity
Loan mix
97%RE $136.0M1%C&I $2.0M2%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $156.6M17%Noninterest $31.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.70%, up 55 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.41%, up 38 bps from a year ago.
  • Funding: loans stand at 76.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.70%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+54 bps YoY

Efficiency Ratio (YTD, annualized)

49.36%-1,252 bps YoY

Tier 1 Leverage Ratio

10.41%+38 bps YoY

NIM

4.94%Q2 ’245.09%Q2 ’255.38%Q2 ’26+10%+16%

Non-interest income vs. expense

2.25%Q2 ’242.34%Q2 ’252.11%Q2 ’26+1%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.05%1.21%1.15%1.15%1.40%1.64%1.70%+55 bps
Return on Equity12.43%13.26%14.88%13.76%13.59%16.41%18.29%18.66%+490 bps
Net Interest Margin3.01%3.01%3.24%3.29%3.35%3.49%3.75%3.83%+54 bps
Efficiency Ratio63.89%62.68%59.47%61.88%62.37%56.64%49.42%49.36%-1,252 bps
Non-Interest Burden1.76%1.71%1.73%1.85%1.91%1.78%1.62%1.66%-19 bps
Growth
Asset Growth (YoY)5.11%1.69%7.59%5.28%5.70%7.16%4.42%6.98%+169 bps
Loan Growth (YoY)6.03%-0.75%0.20%1.39%5.63%11.85%9.76%9.07%+768 bps
Deposit Growth (YoY)3.54%1.20%6.99%4.21%5.37%6.18%3.52%6.39%+219 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.09%0.08%0.08%0.00%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.07%1.07%1.04%1.02%0.97%0.95%0.95%0.93%-9 bps
Allowance Coverage of NPLsn/a10.8x11.8x12.4x12.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.00%9.68%9.75%10.03%9.83%9.63%10.02%10.41%+38 bps
Total Risk-Based Capital10.00%9.68%9.75%10.03%9.83%9.63%10.02%10.41%+38 bps
Equity / Assets8.55%7.92%8.30%8.82%8.77%8.84%9.09%9.40%+58 bps
Liquidity & Funding
Loans / Deposits75.21%72.33%71.43%74.13%75.40%76.20%75.73%76.00%+187 bps
Liquid Assets / Assets4.51%4.39%3.59%3.25%2.28%2.00%1.74%1.47%-177 bps
CRE / Total Capitaln/an/an/an/a341%335%319%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

Century Bank of Kentucky, Inc.

Lawrenceburg, KY · Cert 35450 · Peer group: banks under $1B in assets in KY (n=69) · Century Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$208.1MAssets
$142.9MLoans
$188.0MDeposits
$19.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in KY (rank 60 of 69).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.67%

Rank 9 of 69

Net Interest Margin

3.83%

Rank 29 of 69

Efficiency Ratio

49.36%

Rank 9 of 69

Equity / Assets

9.40%

Rank 39 of 69

Non-interest income vs. expense

$0.9M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 88% of banks under $1B in assets in KY
Bank 49.36%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.67%0.83%1.18%1.44%Beats 87%9 / 69
Return on Equity17.80%7.64%11.70%15.70%Beats 87%9 / 69
Net Interest Margin3.83%3.45%3.75%3.96%Beats 58%29 / 69
Efficiency Ratio49.36%55.32%62.99%70.80%Beats 88%9 / 69
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.52%1.14%Beats 100%6 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 84%12 / 69
Capital
Tier 1 Capital Ratio10.41%11.33%13.58%16.27%Beats 14%59 / 69
Total Risk-Based Capital Ratio10.41%11.55%14.43%17.27%Beats 13%60 / 69
Equity / Assets9.40%8.31%9.91%12.53%Beats 43%39 / 69
Liquidity & Funding
Loans / Deposits76.00%71.40%81.07%88.03%33rd pctl46 / 69
Loans / Assets68.66%61.10%68.66%76.68%49th pctl35 / 69
Brokered Deposits / Depositsn/aNot reported for this institution