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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

$208.1MAssets
$142.9MLoans
$188.0MDeposits
$19.6MEquity
Loan mix
97%RE $136.0M1%C&I $2.0M2%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $156.6M17%Noninterest $31.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.15%1.40%1.64%1.70%+55 bps
Return on Equity13.76%13.59%16.41%18.29%18.66%+490 bps
Net Interest Margin3.29%3.35%3.49%3.75%3.83%+54 bps
Efficiency Ratio61.88%62.37%56.64%49.42%49.36%-1,252 bps
Non-Interest Burden1.85%1.91%1.78%1.62%1.66%-19 bps
Growth
Asset Growth (YoY)5.28%5.70%7.16%4.42%6.98%+169 bps
Loan Growth (YoY)1.39%5.63%11.85%9.76%9.07%+768 bps
Deposit Growth (YoY)4.21%5.37%6.18%3.52%6.39%+219 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.00%0.00%0.00%-8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%0.97%0.95%0.95%0.93%-9 bps
Allowance Coverage of NPLs12.4x12.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.03%9.83%9.63%10.02%10.41%+38 bps
Total Risk-Based Capital10.03%9.83%9.63%10.02%10.41%+38 bps
Equity / Assets8.82%8.77%8.84%9.09%9.40%+58 bps
Liquidity & Funding
Loans / Deposits74.13%75.40%76.20%75.73%76.00%+187 bps
Liquid Assets / Assets3.25%2.28%2.00%1.74%1.47%-177 bps
CRE / Total Capitaln/a341%335%319%n/an/a