Kish Bancorp, Inc. · OTC:KISB
Kish Bancorp — Q1 2026 Earnings Presentation
27 slides from Kish Bancorp's earnings presentation, Apr 30, 2026
Slide 1: First Quarter 2026 Investor Presentation
First Quarter 2026 Investor Presentation April 2026
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 18.5% of net operating income in Q1 2026 • Disciplined acquirer and integrator of non-bank businesses Da
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 • 49 years with Kish • 20 years with Kish • 28 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 • 5 years with Kish • 22 years with Kish • 6 years with Kish • 20+ years of tech leadership • Past Director, PA Bankers Schoo
Slide 7: Business Strategy
KISH BANCORP Business Strategy
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 and banking advisory Business and benefits consulting luxury travel Mortga
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) $1,974 $1,981 $2,000 $1,800 $1,709 $1,693 $1,700 $1,600 $1,543 $1,513 $1,479 $1,424 $1,400 $1,295 $1,298 $1,233 $1,233 $1,179 $1,200 $1,003 $1,024$1,037 $1,000 $879 $800 $600 $400 2021 2022 2023 2024 2025 3/31/2026 Assets Gross Loans Deposits Data as of
Slide 12: Loan Mix
Loan Mix Total Loans $1,496,818 at March 31, 2025 Total Loans $1,711,766 at March 31, 2026 Municipal Consumer Municipal Consumer 0.3% 1.9% 2.0% Commercial & Commercial & 0.4%% Construction Construction Industrial Industrial 10.9% 13.7% 10.8% 11.2% Ag Production & Ag Production & Farmland Farmland 1.
Slide 13: Diversified CRE Portfolio
Diversified CRE Portfolio CRE Owner Occupied CRE Non-Owner Occupied CRE Const. & Land Development $157,884 $609,109 $186,523 2% 23%% 3% 15% 3% 16% 11% 13% 11% 42% 16% 12% 18% 54% 6% 7% 8% 3% 7% 28% 14% 6% Multifamily Residential Student Housing Multifamily Residential Retail & Mixed Use Retail & Mix
Slide 14: Growth & Asset Quality
Growth & Asset Quality Total Gross Loans ($ in millions) $1,800 $1,700 $1,709 $1,600 Loan Delinquency (% of total loans) $1,424 $1,400 $1,233 1.00% 0.94% $1,200 0.90% $1,024 0.80% $1,000 $879 0.70% $766 $800 $687 0.60% $637 0.51%* $575 0.50% $600 0.40% 0.31% $400 0.26% 0.25% 0.30% 2017 2018 2019 202
Slide 15: Deposit Market Share
Deposit Market Share • Mifflin – 7 locations FDIC Deposit Market Share & Potential – Ranked #1 with 49.13% of deposit market share As of June 30, 2025 • Huntingdon – 4 locations Market Deposits in Total Market – Ranked #2 with 27.62% of deposit market share County Share Market Market Share (%) Rank
Slide 16: Deposit Mix
Deposit Mix Total Deposits $1,296,217 at March 31, 2025 Total Deposits $1,512,878 at March 31, 2026 Brokered Brokered 7% Interest-Bearing 8% 46% Interest-Bearing 45% Time Deposits 33% Time Deposits 34% Non Interest-Bearing Non Interest-Bearing 13% 14% Data as of March 31, 2025 and March 31, 2026 16
Slide 17: Stable Net Interest Margin
Stable Net Interest Margin Net Interest Margin and Effective Fed Funds Rate 5.50% 5.33% 5.00% 4.48% 4.50% 4.10% 4.00% 3.72% 3.64% 3.25% 3.37% 3.43% 3.50% 3.24% 3.27% 3.09% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.08% 0.00% 2021 2022 2023 2024 2025 Q1 2026 KISB NIM Effective Fed Funds Rate Data as of Ma
Slide 18: The Core Engine
The Core Engine Net Interest Income ($ in thousands) $60,000 $58,403 $55,000 $50,000 $49,030 $45,000 $43,627 $40,000 $38,245 $35,000 $33,389 $30,000 $25,000 $20,000 $15,957 $15,000 $10,000 2021 2022 2023 2024 2025 Q1 2026 Data as of March 31, 2026 18
Slide 19: Bank & Non-Bank Fee Income
Bank & Non-Bank Fee Income Bank & Non-Bank Business Revenues Non-Interest Income ($ in thousands) • Bank Service Fees $14,000 $13,666 – Q1 2026 revenue up 21.4% over Q1 2025 $12,108 $11,371 $12,523 $12,000 $11,346 • Wealth Management $10,000 – Q1 2026 revenue up 11.3% over Q1 2025 $8,000 • Kish Insu
Slide 20: Net Income Growth
Net Income Growth Net Income ($ in thousands) • 24.8% net income growth in $20,000 $18,125 $18,000 2025 over 2024 $16,000 $14,520 $14,000 $12,860 $13,500 $12,000 • 17.7% Compound Annual $10,000 $9,881 $8,000 Growth Rate over 5 years $6,000 $5,290 $4,000 $2,000 $0 2021 2022 2023 2024 2025 1Q26 Bullet
Slide 21: Shareholder Performance
Shareholder Performance • Strong ROE of 15.73% for Q1 2026 Return on Equity 18.00% • EPS of $6.25 for YTD 2025 and 16.00% 15.73% 14.95% $1.76 for Q1 2026 14.00% 14.08% 13.02% 14.12% 12.23% 12.00% • Share price of $53.79 as of 4/22/26 10.00% • Market valuation of 1.30% of TBV as 8.00% 6.00% of 4/22/2
Slide 22: Shareholder Performance
Shareholder Performance Tangible Book Value Per Share Earnings & Dividends Per Share $45.00 $7.00 $40.14 $41.35 $6.25 $40.00 $6.00 $33.86 $34.58 $5.22 $35.00 $5.02 $4.92 $27.97 $5.00 $30.00 $25.94 $3.88 $25.00 $4.00 $20.00 $3.00 $15.00 $2.00 $1.46 $1.50 $1.57 $1.76 $10.00 $1.14 $1.31 $5.00 $1.00 $0.
Slide 23: Capital to Support Growth
Capital to Support Growth Total Stockholders’ Equity ($ in millions) $128.6 $130 $124.2 $120 $110 $106.1 $100 $92.8 $90 $80 $77.1 $70.0 $72.0 $70 $64.4 $59.7 $60 $53.6 $56.3 $50 $40 $30 $20 $10 $0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 3/31/2026 Data as of March 31, 2026 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 April 23, 2016 to April 22, 2026 25
Slide 26: One-Year Share Price and Trading Volume
One-Year Share Price and Trading Volume 1-Year stock price from April 23, 2025 to April 22, 2026 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