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PBK Bank, Inc.

Stanford, KY · Cert 9313 · Community Bancshares Inc.

State charter, non-member · FDIC · 6 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

64

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

PBK Bank, Inc.

Stanford, KY · Cert 9313 · Community Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$175.6MAssets
$98.3MLoans
$150.4MDeposits
$24.6MEquity
Loan mix
87%RE $87.4M4%C&I $4.3M9%Consumer $8.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $113.2M25%Noninterest $37.2MQ2 2025Q2 2026

NIM

5.93%Q2 ’245.92%Q2 ’255.71%Q2 ’26-3%-3%

Non-interest income vs. expense

3.59%Q2 ’243.34%Q2 ’253.33%Q2 ’26-7%-1%

Executive Summary

  • Earnings: ROA of 1.82%, down 12 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.46% of loans (-27 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 15.17%, up 55 bps from a year ago.
  • Funding: loans stand at 65.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.76%-14 bps YoY

Efficiency Ratio (YTD, annualized)

57.87%+99 bps YoY

Tier 1 Leverage Ratio

15.17%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%2.02%1.92%1.81%1.82%-12 bps
Return on Equity15.08%15.23%14.37%13.07%13.09%-199 bps
Net Interest Margin4.89%5.01%4.97%4.75%4.76%-14 bps
Efficiency Ratio56.88%55.98%57.77%58.66%57.87%+99 bps
Non-Interest Burden2.36%2.35%2.43%2.35%2.33%-3 bps
Growth
Asset Growth (YoY)5.32%4.80%7.02%2.75%5.87%+55 bps
Loan Growth (YoY)5.07%3.82%6.61%6.89%-0.42%-550 bps
Deposit Growth (YoY)3.91%3.59%5.67%1.44%5.11%+120 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.52%0.49%0.42%0.46%-27 bps
Net Charge-Offs / Loans0.05%0.07%0.09%0.31%0.20%+14 bps
Allowance / Loans0.81%0.78%0.73%0.64%0.68%-14 bps
Allowance Coverage of NPLs1.1x1.5x1.5x1.5x1.5x+0.4x
Capital
Tier 1 Leverage Ratio14.62%15.34%15.27%14.98%15.17%+55 bps
Total Risk-Based Capital14.62%15.34%15.27%14.98%15.17%+55 bps
Equity / Assets13.37%14.18%13.84%13.89%14.03%+66 bps
Liquidity & Funding
Loans / Deposits68.96%69.73%69.17%69.76%65.33%-363 bps
Liquid Assets / Assets13.27%12.39%13.81%13.86%17.10%+383 bps
CRE / Total Capitaln/a96.96%95.45%93.34%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

PBK Bank, Inc.

Stanford, KY · Cert 9313 · Peer group: banks under $1B in assets in KY (n=69) · Community Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$175.6MAssets
$98.3MLoans
$150.4MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in KY (rank 4 of 69).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in KY (rank 63 of 69).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.79%

Rank 5 of 69

Net Interest Margin

4.76%

Rank 4 of 69

Efficiency Ratio

57.87%

Rank 26 of 69

Equity / Assets

14.03%

Rank 12 of 69

Non-interest income vs. expense

$1.8M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 64% of banks under $1B in assets in KY
Bank 57.87%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.79%0.83%1.18%1.44%Beats 93%5 / 69
Return on Equity12.78%7.64%11.70%15.70%Beats 57%30 / 69
Net Interest Margin4.76%3.45%3.75%3.96%Beats 94%4 / 69
Efficiency Ratio57.87%55.32%62.99%70.80%Beats 64%26 / 69
Asset Quality
Nonperforming Loans / Loans0.46%0.18%0.52%1.14%Beats 55%32 / 69
Net Charge-Offs / Loans0.13%0.01%0.02%0.06%Beats 10%63 / 69
Capital
Tier 1 Capital Ratio15.17%11.33%13.58%16.27%Beats 64%25 / 69
Total Risk-Based Capital Ratio15.17%11.55%14.43%17.27%Beats 55%31 / 69
Equity / Assets14.03%8.31%9.91%12.53%Beats 83%12 / 69
Liquidity & Funding
Loans / Deposits65.33%71.40%81.07%88.03%19th pctl56 / 69
Loans / Assets55.97%61.10%68.66%76.68%22nd pctl54 / 69
Brokered Deposits / Depositsn/aNot reported for this institution