Kish Bancorp, Inc. · OTC:KISB
Kish Bancorp — Q3 2025 Earnings Presentation
27 slides from Kish Bancorp's earnings presentation, Oct 31, 2025
Slide 1: Q3 2025 Investor Presentation
Q3 2025 Investor Presentation October 2025
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation and information supplemental hereto contain, and during the course of oral and written presentations connected herewith management may make, projections and estimates with respect to future events or future financial performance, as well as other “forward
Slide 3: Snapshot: Kish Bancorp
Snapshot: Kish Bancorp Overview • A fully diversified financial services company with deep roots dating to 1900 • OTCQX: KISB • Recognized as one of Pennsylvania’s leading regional community banks • Board and Senior Management ownership in excess of 20% • Driven by a visionary focus on a differentia
Slide 4: More Than a Bank
More Than a Bank • Entrepreneurial • A fully diversified financial services company with a comprehensive suite of services to meet all business and personal needs • Fee and non-interest income of 19.3% of net operating income YTD 2025 • Disciplined acquirer and integrator of non-bank businesses Data
Slide 5: Experienced Executive Leadership
Experienced Executive Leadership William P. Hayes Gregory T. Hayes Robert S. McMinn, Esq. Executive Chairman President and CEO EVP, General Counsel • 48 years with Kish • 19 years with Kish • 27 years with Kish • Asset growth under leadership: • Chair, Bankers Advisory Board of the • Extensive backg
Slide 6: Experienced Executive Leadership
Experienced Executive Leadership Mark E. Yerger Kimberly A. Bubb Robert L. Bilger EVP, Chief Information Officer SVP, Chief Administrative Officer SVP, Senior Lending Officer • 4 years with Kish • 21 years with Kish • 5 years with Kish • 20+ years of tech leadership • Past Director, PA Bankers Schoo
Slide 7: Business Strategy
MISH BANCORP expect more
Slide 8: Lines of Business
Lines of Business Banking Wealth Management Insurance Benefits Consulting Travel Full-service retail Financial planning Property and Employee Signature and commercial and investment Casualty healthcare and group travel banking advisory Business and benefits consulting experiences Mortg
Slide 9: Leadership Execution
Leadership Execution • Sustained focus on being a growth and performance-driven company • Data-driven • Balance sheet structured for all rate environments • Active use of interest rate swaps, derivatives and balance sheet hedging • Established profitability analytics • Derivative expertise provides
Slide 10: Financial Performance and Outlook
Financial Performance and Outlook 10
Slide 11: Accelerating Growth Over Time ($ in millions)
Accelerating Growth Over Time ($ in millions) $2,000 $1,934 $1,800 $1,693 $1,649 $1,600 $1,543 $1,424 $1,394 $1,400 $1,295 $1,298 $1,233 $1,233 $1,179 $1,200 $1,107 $1,003 $1,024$1,037 $1,000 $878 $879 $800 $766 $600 $400 2020 2021 2022 2023 2024 9/30/2025 Assets Gross Loans Deposits Data as of Sept
Slide 12: Loan Mix
Loan Mix Total Loans $1,374,566 at September 30, 2024 Total Loans $1,652,340 at September 30, 2025 Consumer Municipal Consumer Municipal 0% 2% 0.3% 2% Construction Construction Commercial & Industrial Commercial & Industrial 13% 15% 11% 11% Ag Production & Farmland Ag Production & Farmland 2% 2% Non
Slide 13: Diversified CRE Portfolio
Diversified CRE Portfolio CRE Owner Occupied CRE Non-Owner Occupied CRE Const. & Land Development $156,235 $562,848 $217,066 2% 1% 22%% 13% 3% 2% 17% 10% 11% 10% 40% 9% 17% 15% 7% 60% 5% 4% 9% 2% 15% 10% 30% 9% Multifamily Residential Student Housing Multifamily Residential Retail & Mixed Use Retail
Slide 14: Growth & Asset Quality
Growth & Asset Quality Loan Delinquency (% of total loans) Total Gross Loans ($ in millions) $1,800 1.40% 1.26% $1,649 $1,600 1.20% $1,424 1.00% 0.94% $1,400 $1,233 0.80% $1,200 $1,024 0.60% $1,000 $879 0.40% 0.31% 0.26% $766 0.25% $800 $687 0.19% 0.14% 0.14% $637 0.20% 0.04% $575 0.03% $600 $495 0.
Slide 15: Deposit Market Share
Deposit Market Share • Mifflin – – 7 locations Ranked #1 with 49.13% of deposit market share FDIC Deposit Market Share & Potential As of June 30, 2025 • Huntingdon – 3 locations Market Deposits in Total – Ranked #2 with 27.62% of deposit market share Market County Share Market Market Share (%) • Cen
Slide 16: Deposit Mix
Deposit Mix Total Deposits $1,296,484 at September 30, 2024 Total Deposits $1,393,597 at September 30, 2025 Brokered Brokered 8% 7% Interest-Bearing Interest-Bearing 53% 43% Time Deposits 25% Time Deposits 36% Non Interest-Bearing 14% Non Interest-Bearing 14% Data as of September 30, 2024 and Septem
Slide 17: Stable Net Interest Margin
Stable Net Interest Margin Net Interest Margin and Effective Fed Funds Rate 5.50% 5.33% 5.00% 4.48% 4.50% 4.10% 4.09% 4.00% 3.27% 3.43% 3.50% 3.30% 3.24% 3.25% 3.09% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.09% 0.08% 0.00% 2020 2021 2022 2023 2024 Q3 2025 KISB NIM Effective Fed Funds Rate Data as of Se
Slide 18: The Core Engine
The Core Engine Net Interest Income ($ in thousands) $49,030 $50,000 $45,000 $43,627 $42,554 $40,000 $38,245 $35,000 $33,389 $31,108 $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 2020 2021 2022 2023 2024 YTD 2025 Data as of September 30, 2025 18
Slide 19: Bank & Non-Bank Fee Income
Bank & Non-Bank Fee Income Bank & Non-Bank Business Revenues • Bank Service Fees Non-Interest Income ($ in thousands) – Q3 2025 revenue up 17.4% over Q3 2024 • Wealth Management $13,000 $12,108 $12,523 $11,346 $11,371 – Q3 2025 revenue up 22.6% over Q3 2024 $11,000 $10,123 $10,197 • Kish Insurance r
Slide 20: Net Income Growth
Net Income Growth Net Income ($ in thousands) $14,520 • 8% net income growth in $13,500 $14,000 $12,860 $12,600 $12,000 2024 over 2023 $9,881 $10,000 $8,039 • 15.9% Compound Annual $8,000 $6,000 Growth Rate over 4 years $4,000 $2,000 $0 2020 2021 2022 2023 2024 YTD 2025 Data as of December 31, 2024,
Slide 21: Shareholder Performance
Shareholder Performance Return on Equity • Strong ROE of 13.26% for YTD 2025 and 15.8% for Q3 2025 18.00% 16.00% • EPS of $4.22 for YTD 2025 14.08% 14.95% 13.02% 14.00% 12.90% 13.26% • Share price of $40.03 as of 10/17/25 12.23% 12.00% • Market valuation of 1.04% of TBV as of 10.00% 8.00% 10/17/25 6
Slide 22: Shareholder Performance
Shareholder Performance Earnings & Dividends Per Share Tangible Book Value Per Share $45.00 $6.00 $5.22 $40.00 $38.38 $5.02 $4.92 $33.86 $34.58 $5.00 $35.00 $4.22 $30.00 $27.97 $3.88 $4.00 $25.48 $25.94 $3.20 $25.00 $3.00 $20.00 $15.00 $2.00 $1.46 $1.50 $1.31 $1.17 $10.00 $1.08 $1.14 $1.00 $5.00 $0.
Slide 23: Capital to Support Growth
Capital to Support Growth Total Stockholders’ Equity ($ in millions) $118.8 $120 $106.1 $100 $92.8 $80 $77.1 $70.0 $72.0 $64.4 $59.7 $60 $56.3 $51.3 $53.6 $40 $20 $0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 YTD 2025 Data as of September 30, 2025 23
Slide 24: Why Invest in Kish Bancorp?
Why Invest in Kish Bancorp? Strong Earnings Trajectory & Leading Market Share with Focused on the Future: Clearly Differentiated Shareholder Performance Excellent Growth Potential Quality, Technology, Innovation Managed to the key drivers of Dominant market share among Focus on small businesses, Con
Slide 25: Stock Price Stability
Stock Price Stability 10-Year Total Return 10-Year stock price from October 18, 2015 to October 17, 2025 25
Slide 26: One-Year Share Price and Trading Volume
One-Year Share Price and Trading Volume 1-Year stock price from October 18, 2024 to October 17, 2025 26
Slide 27: Contacts
Contacts Gregory T. Hayes Tina M. Collins President & CEO SVP, Interim Chief Financial Officer greg.hayes@kishbank.com tina.collins@kishbank.com William P. Hayes Robert S. McMinn Executive Chairman EVP, General Counsel whayes@kishbank.com rmcminn@kishbank.com 27