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Owingsville Banking Company

Owingsville, KY · Cert 9672 · Bath County Banking Co.

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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

9

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

Owingsville Banking Company

Owingsville, KY · Cert 9672 · Bath County Banking Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$104.1MAssets
$78.2MLoans
$92.3MDeposits
$9.3MEquity
Loan mix
94%RE $69.4M1%C&I $0.8M5%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $72.1M22%Noninterest $20.2MQ2 2025Q2 2026

NIM

6.14%Q2 ’246.28%Q2 ’256.00%Q2 ’26-1%-3%

Non-interest income vs. expense

3.23%Q2 ’243.11%Q2 ’253.43%Q2 ’26-4%+12%

Executive Summary

  • Earnings: ROA of 0.60%, down 33 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.29% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.02%, up 31 bps from a year ago.
  • Funding: loans stand at 84.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-13 bps YoY

Efficiency Ratio (YTD, annualized)

80.32%+985 bps YoY

Tier 1 Leverage Ratio

10.02%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.98%0.94%0.65%0.60%-33 bps
Return on Equity11.56%12.00%11.29%7.22%6.66%-489 bps
Net Interest Margin4.09%4.07%4.03%4.01%3.96%-13 bps
Efficiency Ratio70.46%70.66%71.67%79.06%80.32%+985 bps
Non-Interest Burden2.79%2.78%2.80%3.11%3.12%+33 bps
Growth
Asset Growth (YoY)6.52%5.79%8.21%2.92%4.20%-233 bps
Loan Growth (YoY)10.95%9.08%5.58%3.17%5.07%-588 bps
Deposit Growth (YoY)5.00%2.75%5.50%2.13%3.64%-135 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.51%0.64%0.62%0.29%-5 bps
Net Charge-Offs / Loans0.02%0.03%0.08%0.01%0.00%-2 bps
Allowance / Loans1.19%1.17%1.11%1.11%1.09%-10 bps
Allowance Coverage of NPLs3.6x2.3x1.7x1.8x3.8x+0.3x
Capital
Tier 1 Leverage Ratio9.71%9.73%10.00%10.11%10.02%+31 bps
Total Risk-Based Capital9.71%9.73%10.00%10.11%10.02%+31 bps
Equity / Assets8.11%8.62%8.94%8.99%8.92%+81 bps
Liquidity & Funding
Loans / Deposits83.61%86.49%86.22%85.03%84.76%+115 bps
Liquid Assets / Assets2.94%2.17%2.06%1.17%1.03%-191 bps
CRE / Total Capitaln/a40.27%43.88%49.41%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

Owingsville Banking Company

Owingsville, KY · Cert 9672 · Peer group: banks under $1B in assets in KY (n=69) · Bath County Banking Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$104.1MAssets
$78.2MLoans
$92.3MDeposits
$9.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in KY (rank 16 of 69).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets in KY (rank 64 of 69).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.59%

Rank 62 of 69

Net Interest Margin

3.96%

Rank 18 of 69

Efficiency Ratio

80.32%

Rank 64 of 69

Equity / Assets

8.92%

Rank 47 of 69

Non-interest income vs. expense

$0.3M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 9% of banks under $1B in assets in KY
Bank 80.32%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.83%1.18%1.44%Beats 10%62 / 69
Return on Equity6.57%7.64%11.70%15.70%Beats 17%57 / 69
Net Interest Margin3.96%3.45%3.75%3.96%Beats 74%18 / 69
Efficiency Ratio80.32%55.32%62.99%70.80%Beats 9%64 / 69
Asset Quality
Nonperforming Loans / Loans0.28%0.18%0.52%1.14%Beats 62%27 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 78%16 / 69
Capital
Tier 1 Capital Ratio10.02%11.33%13.58%16.27%Beats 13%60 / 69
Total Risk-Based Capital Ratio10.02%11.55%14.43%17.27%Beats 12%61 / 69
Equity / Assets8.92%8.31%9.91%12.53%Beats 32%47 / 69
Liquidity & Funding
Loans / Deposits84.76%71.40%81.07%88.03%62nd pctl26 / 69
Loans / Assets75.18%61.10%68.66%76.68%67th pctl23 / 69
Brokered Deposits / Depositsn/aNot reported for this institution