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Edmonton State Bank

Glasgow, KY · Cert 9678 · Edmonton Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

80

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

Edmonton State Bank

Glasgow, KY · Cert 9678 · Edmonton Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.2BAssets
$928.1MLoans
$1.0BDeposits
$138.8MEquity
Loan mix
88%RE $777.8M6%C&I $49.1M7%Consumer $61.2MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $703.2M30%Noninterest $297.0MQ2 2025Q2 2026

NIM

5.82%Q2 ’245.88%Q2 ’256.05%Q2 ’26-2%+6%

Non-interest income vs. expense

2.69%Q2 ’242.62%Q2 ’252.63%Q2 ’26-6%+1%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.2% share · #39 of 62 inst. · $0.3B of $107.8B

24.2% Barren
4.6% Sumner
90.6% Metcalfe
36.5% Monroe

Executive Summary

  • Earnings: ROA of 1.97%, up 6 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.32% of loans (+19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.47%, up 41 bps from a year ago.
  • Funding: loans stand at 92.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.97%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.67%+26 bps YoY

Efficiency Ratio (YTD, annualized)

45.91%-173 bps YoY

Tier 1 Leverage Ratio

11.47%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.98%1.99%2.00%1.97%+6 bps
Return on Equity15.81%16.44%16.60%17.08%16.69%+89 bps
Net Interest Margin4.41%4.42%4.44%4.60%4.67%+26 bps
Efficiency Ratio47.64%45.91%46.32%45.49%45.91%-173 bps
Non-Interest Burden1.91%1.83%1.87%1.92%1.94%+3 bps
Growth
Asset Growth (YoY)6.90%6.71%16.15%7.27%4.22%-269 bps
Loan Growth (YoY)3.97%5.60%5.76%7.11%10.36%+639 bps
Deposit Growth (YoY)7.11%6.93%17.40%7.40%3.86%-325 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.20%0.24%0.30%0.32%+19 bps
Net Charge-Offs / Loans0.01%0.03%0.04%0.01%0.01%0 bps
Allowance / Loans1.12%1.10%1.10%1.09%1.12%-1 bps
Allowance Coverage of NPLs8.6x5.6x4.5x3.6x3.5x-5.1x
Capital
Tier 1 Leverage Ratio11.06%11.21%10.91%11.38%11.47%+41 bps
Total Risk-Based Capital11.06%11.21%10.91%11.38%11.47%+41 bps
Equity / Assets11.80%11.92%11.63%11.77%12.04%+24 bps
Liquidity & Funding
Loans / Deposits87.32%88.67%89.11%88.83%92.79%+547 bps
Liquid Assets / Assets15.06%14.16%14.41%14.70%11.98%-308 bps
CRE / Total Capitaln/a321%326%315%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

Edmonton State Bank

Glasgow, KY · Cert 9678 · Peer group: banks $1B-$10B in assets (n=322-328) · Edmonton Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$1.2BAssets
$928.1MLoans
$1.0BDeposits
$138.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks $1B-$10B in assets (rank 22 of 328).
  • Widest gap: total risk-based capital ratio trails 86% of banks $1B-$10B in assets (rank 281 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.97%

Rank 26 of 328

Net Interest Margin

4.67%

Rank 22 of 328

Efficiency Ratio

49.42%

Rank 65 of 328

Equity / Assets

12.04%

Rank 81 of 328

Non-interest income vs. expense

$7.7M$29.7MINCOMEEXPENSE
Unfavorable gap of $21.9M · efficiency ratio beats 80% of banks $1B-$10B in assets
Bank 49.42%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.97%0.91%1.22%1.52%Beats 92%26 / 328
Return on Equity16.38%8.43%11.45%14.43%Beats 87%44 / 328
Net Interest Margin4.67%3.03%3.45%3.83%Beats 93%22 / 328
Efficiency Ratio49.42%51.61%59.56%67.53%Beats 80%65 / 328
Asset Quality
Nonperforming Loans / Loans0.32%0.24%0.51%1.03%Beats 67%108 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 80%66 / 322
Capital
Tier 1 Capital Ratio11.47%11.75%13.15%15.47%Beats 23%254 / 328
Total Risk-Based Capital Ratio11.47%12.63%14.15%16.46%Beats 14%281 / 328
Equity / Assets12.04%9.15%10.33%12.01%Beats 75%81 / 328
Liquidity & Funding
Loans / Deposits92.79%76.63%87.92%95.36%68th pctl103 / 323
Loans / Assets80.52%65.18%74.15%79.98%77th pctl75 / 328
Brokered Deposits / Depositsn/aNot reported for this institution