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Security Bank and Trust Company

Maysville, KY · Cert 8121 · Security Bcorp Maysville 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

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

Security Bank and Trust Company

Maysville, KY · Cert 8121 · Security Bcorp Maysville Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$71.8MAssets
$27.1MLoans
$60.3MDeposits
$11.3MEquity
Loan mix
88%RE $23.7M9%C&I $2.4M3%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $43.6M28%Noninterest $16.7MQ2 2025Q2 2026

NIM

3.68%Q2 ’243.86%Q2 ’254.20%Q2 ’26+1%+13%

Non-interest income vs. expense

1.70%Q2 ’241.86%Q2 ’251.86%Q2 ’26+11%+1%

Executive Summary

  • Earnings: ROA of 1.59%, up 29 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.86% of loans (+176 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.74%, up 15 bps from a year ago.
  • Funding: loans stand at 44.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+40 bps YoY

Efficiency Ratio (YTD, annualized)

48.27%-538 bps YoY

Tier 1 Leverage Ratio

15.74%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.35%1.40%1.49%1.59%+29 bps
Return on Equity8.26%8.47%8.84%9.61%10.19%+193 bps
Net Interest Margin3.20%3.33%3.43%3.59%3.60%+40 bps
Efficiency Ratio53.65%52.52%51.51%50.45%48.27%-538 bps
Non-Interest Burden1.59%1.62%1.63%1.68%1.60%+2 bps
Growth
Asset Growth (YoY)-3.44%-4.41%0.51%1.81%1.55%+499 bps
Loan Growth (YoY)4.43%1.69%-4.77%-6.11%-9.61%-1,404 bps
Deposit Growth (YoY)-7.51%-5.35%0.35%2.08%5.35%+1,286 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.14%0.09%0.09%1.86%+176 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans0.97%1.00%1.04%1.07%1.07%+10 bps
Allowance Coverage of NPLs10.4x7.3x11.6x12.1x0.6x-9.8x
Capital
Tier 1 Leverage Ratio15.59%16.36%15.77%15.79%15.74%+15 bps
Total Risk-Based Capital15.59%16.36%15.77%15.79%15.74%+15 bps
Equity / Assets15.80%16.78%15.52%15.41%15.76%-4 bps
Liquidity & Funding
Loans / Deposits52.41%51.81%48.36%44.90%44.97%-744 bps
Liquid Assets / Assets51.12%48.95%52.23%55.49%56.80%+567 bps
CRE / Total Capitaln/a102.63%99.94%94.31%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

Security Bank and Trust Company

Maysville, KY · Cert 8121 · Peer group: banks under $1B in assets in KY (n=69) · Security Bcorp Maysville Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$71.8MAssets
$27.1MLoans
$60.3MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in KY (rank 8 of 69).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in KY (rank 61 of 69).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.57%

Rank 12 of 69

Net Interest Margin

3.60%

Rank 41 of 69

Efficiency Ratio

48.27%

Rank 8 of 69

Equity / Assets

15.76%

Rank 8 of 69

Non-interest income vs. expense

$0.2M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 90% of banks under $1B in assets in KY
Bank 48.27%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.57%0.83%1.18%1.44%Beats 83%12 / 69
Return on Equity9.96%7.64%11.70%15.70%Beats 39%42 / 69
Net Interest Margin3.60%3.45%3.75%3.96%Beats 41%41 / 69
Efficiency Ratio48.27%55.32%62.99%70.80%Beats 90%8 / 69
Asset Quality
Nonperforming Loans / Loans1.86%0.18%0.52%1.14%Beats 13%61 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 83%13 / 69
Capital
Tier 1 Capital Ratio15.74%11.33%13.58%16.27%Beats 68%22 / 69
Total Risk-Based Capital Ratio15.74%11.55%14.43%17.27%Beats 64%25 / 69
Equity / Assets15.76%8.31%9.91%12.53%Beats 88%8 / 69
Liquidity & Funding
Loans / Deposits44.97%71.40%81.07%88.03%4th pctl66 / 69
Loans / Assets37.76%61.10%68.66%76.68%4th pctl66 / 69
Brokered Deposits / Depositsn/aNot reported for this institution