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Peoples Exchange Bank, Inc.

Winchester, KY · Cert 8785 · Genbeach Co. Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

64

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

67

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

Peoples Exchange Bank, Inc.

Winchester, KY · Cert 8785 · Genbeach Co. Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$609.8MAssets
$518.3MLoans
$522.7MDeposits
$59.2MEquity
Loan mix
96%RE $480.6M2%C&I $12.1M1%Consumer $6.6MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $389.9M25%Noninterest $132.8MQ2 2025Q2 2026

NIM

4.90%Q2 ’245.31%Q2 ’255.71%Q2 ’26+14%+11%

Non-interest income vs. expense

2.94%Q2 ’242.78%Q2 ’252.82%Q2 ’26-5%+2%

Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 1.9% share · #16 of 36 inst. · $0.3B of $16.0B

23.2% Clark
10.2% Montgomery
62.6% Lee
0.5% Fayette

Executive Summary

  • Earnings: ROA of 1.26%, up 27 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.06% of loans (-3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.97%, up 41 bps from a year ago.
  • Funding: loans stand at 99.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+39 bps YoY

Efficiency Ratio (YTD, annualized)

62.01%-472 bps YoY

Tier 1 Leverage Ratio

9.97%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.04%1.07%1.22%1.26%+27 bps
Return on Equity11.15%11.67%11.87%13.30%13.53%+238 bps
Net Interest Margin3.56%3.55%3.55%3.84%3.94%+39 bps
Efficiency Ratio66.73%65.46%64.68%62.51%62.01%-472 bps
Non-Interest Burden2.17%2.11%2.08%2.17%2.21%+4 bps
Growth
Asset Growth (YoY)8.31%11.74%10.86%7.77%2.93%-538 bps
Loan Growth (YoY)12.41%11.93%8.83%5.27%5.63%-677 bps
Deposit Growth (YoY)10.87%14.53%15.30%11.12%2.10%-877 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.13%0.07%0.12%0.06%-3 bps
Net Charge-Offs / Loans0.02%0.02%0.05%0.02%0.02%0 bps
Allowance / Loans1.14%1.17%1.19%1.19%1.19%+5 bps
Allowance Coverage of NPLs11.9x9.1x15.9x10.3x19.3x+7.4x
Capital
Tier 1 Leverage Ratio9.56%9.56%9.54%9.78%9.97%+41 bps
Total Risk-Based Capital9.56%9.56%9.54%9.78%9.97%+41 bps
Equity / Assets8.90%9.03%9.19%9.17%9.70%+80 bps
Liquidity & Funding
Loans / Deposits95.84%93.89%93.85%93.91%99.16%+332 bps
Liquid Assets / Assets2.97%4.93%4.82%6.07%2.23%-74 bps
CRE / Total Capitaln/a351%343%355%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

Peoples Exchange Bank, Inc.

Winchester, KY · Cert 8785 · Peer group: banks under $1B in assets (n=581-629) · Genbeach Co. Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$609.8MAssets
$518.3MLoans
$522.7MDeposits
$59.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets (rank 125 of 581).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 567 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 212 of 629

Net Interest Margin

3.94%

Rank 187 of 629

Efficiency Ratio

62.01%

Rank 210 of 629

Equity / Assets

9.70%

Rank 404 of 629

Non-interest income vs. expense

$3.8M$17.5MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 67% of banks under $1B in assets
Bank 62.01%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.60%1.01%1.45%Beats 66%212 / 629
Return on Equity13.19%5.38%9.30%13.28%Beats 74%163 / 629
Net Interest Margin3.94%3.03%3.54%4.05%Beats 70%187 / 629
Efficiency Ratio62.01%58.35%67.79%79.08%Beats 67%210 / 629
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.46%1.20%Beats 79%125 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 49%298 / 581
Capital
Tier 1 Capital Ratio9.97%11.24%13.84%18.77%Beats 10%563 / 629
Total Risk-Based Capital Ratio9.97%11.58%14.43%19.66%Beats 10%567 / 629
Equity / Assets9.70%9.09%10.65%13.80%Beats 36%404 / 629
Liquidity & Funding
Loans / Deposits99.16%67.24%80.90%93.48%85th pctl92 / 594
Loans / Assets85.00%53.31%67.71%78.15%92nd pctl50 / 629
Brokered Deposits / Depositsn/aNot reported for this institution