Kish Bancorp, Inc. · OTC:KISB
Kish Bancorp — Shareholder Meeting (May 2026)
48 slides from Kish Bancorp's shareholder meeting presentation, May 7, 2026
Slide 1: 2026 Annual Shareholders Meeting
2026 Annual Shareholders Meeting May 7, 2026
Slide 2: Our Purpose and Mission
Our Purpose “We believe that we can make the lives of those around us—our employees, our clients, and our communities—better.” Our Mission To achieve sustained success through an unwavering focus on fulfilling our clients’ financial needs. 2
Slide 3: Class 1 Directors
Class 1 Directors Terms Expire in 2026 Director of Corporation/ Name Principal Occupation Bank Since Eric J. Barron President Emeritus, The Pennsylvania State University 2018/2023 William L. Dancy Retired President, J. M. Young & Sons, Inc. 2003/2003 Gregory T. Hayes President and Chief Executive Of
Slide 4: Class 2 & 3 Directors
Class 2 & 3 Directors Class of 2027 Class of 2028 • William P. Hayes • Michael K. Halloran • Frances V. Vaughn • Kathleen L. Rhine • James A. Troha • George V. Woskob 4
Slide 5: Slide 5
Slide 6: Customers Who Succeed, Communities That Thrive, Performance That Sustains
Customers Who Succeed Communities That Thrive Performance That Sustains
Slide 7: 9
9
Slide 8: People Who Care
People Who Care
Slide 9: KISH
KISH
Slide 10: CBICC Business of The Year
CBICC Business of The Year KISH
Slide 11: Accelerating Growth Over Time
Accelerating Growth Over Time ($ in millions) $1,974 $2,000 $1,800 $1,693 $1,700 $1,600 $1,543 $1,479 $1,424 $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 $400 2020 2021 2022 2023 2024 2025 Assets Gross Loans Deposits Data as of December
Slide 12: Stable Net Interest Margin
Stable Net Interest Margin Net Interest Margin and Effective Fed Funds Rate 5.50% 5.33% 5.00% 4.48% 4.50% 4.10% 4.00% 3.72% 3.30% 3.27% 3.37% 3.50% 3.24% 3.25% 3.09% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.09% 0.08% 0.00% 2020 2021 2022 2023 2024 2025 KISB NIM Effective Fed Funds Rate Data as of Decem
Slide 13: The Core Engine
The Core Engine Net Interest Income ($ in thousands) $60,000 $58,403 $55,000 $49,030 $50,000 $45,000 $43,627 $40,000 $38,245 $35,000 $33,389 $31,108 $30,000 $25,000 $20,000 $15,000 $10,000 2020 2021 2022 2023 2024 2025 Data as of December 31, 2025 15
Slide 14: Bank & Non-Bank Fee Income
Bank & Non-Bank Fee Income Bank & Non-Bank Business Revenues Non-Interest Income ($ in thousands) • Bank Service Fees $14,000 $13,666 – 2025 revenue up 12.3% over 2024 $12,108 $12,523 $11,346 $11,371 • Wealth Management $12,000 $10,123 – 2025 revenue up 6.6% over 2024 $10,000 • Kish Insurance recurr
Slide 15: Experienced Executive Leadership
Experienced Executive Leadership 17
Slide 16: Elevate leadership and operational excellence
Elevate leadership, expand talent management capabilities, and strengthen operational excellence to build a legendary organization.
Slide 17: Products That Empower
Products That Empower
Slide 18: Welcome to Kish's ATM + Live Banker
Welcome to Kish’s ATM + Live Banker EKISH
Slide 19: Slide 19
Slide 20: Deposit Mix
Deposit Mix Total Deposits $1,298,070 at December 31, 2024 Total Deposits $1,479,357 at December 31, 2025 Brokered Brokered 7% 9% Interest-Bearing 53% Interest-Bearing 47% Time Deposits 27% Time Deposits 36% Non Interest-Bearing 13% Non Interest-Bearing 14% Data as of December 31, 2024 and December
Slide 21: Deposit Market Share
Deposit Market Share • Mifflin FDIC Deposit Market Share & Potential – 7 locations As of June 30, 2025 – Ranked #1 with 49.13% of deposit market share • Huntingdon Market Deposits in Total – 3 locations Market County Share Market Market – Ranked #2 with 27.62% of deposit market share Share (%) Rank
Slide 22: Loan Mix
Loan Mix Total Loans $1,425,000 at December 31, 2024 Total Loans $1,699,906 at December 31, 2025 Consumer Municipal Consumer Municipal 0.4%% 1.9% 0.3% 1.9% Construction Construction Commercial & Industrial 15.2% Commercial & Industrial 13.0% 11.2% 10.5% Ag Production & Farmland Ag Production & Farml
Slide 23: Enhance product management and digital capability
Enhance product management, segmentation, location strategy, and digital capability to drive legendary, customer-centric experiences.
Slide 24: Customers Who Succeed
Customers Who Succeed
Slide 25: Slide 25
Slide 26: How one bank's 'stop and think' message slashed customer fraud
EKISH ABASSURNAL TOPICS NEWSBYTES PODCASTS MAGAZINE How one bank's ‘stop and think’ message slashed customer fraud To help prevent fraud, Kish Bank, located in central in Pennsylvania, told its customers to “stop and think.” It worked. Kish bankers have typically sat on rotary clubs and chambers of
Slide 27: Communities That Thrive
Communities That Thrive
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30
Slide 29: Kish for the Cure Milestone
Kish for the Cure Milestone 31
Slide 30: KISH
KISH
Slide 31: Achieve legendary community impact
Achieve legendary community impact by leveraging our people, brand strength, and strategic partnerships.
Slide 32: Performance that Sustains
Performance that Sustains
Slide 33: Net Income Growth
Net Income Growth • 24.8% net income growth in Net Income ($ in thousands) $20,000 2025 over 2024 $18,000 $18,125 $16,000 $14,520 • 17.7% Compound Annual $14,000 $12,860 $13,500 Growth Rate over 5 years $12,000 $9,881 $10,000 $8,039 $8,000 $6,000 $4,000 $2,000 $0 2020 2021 2022 2023 2024 2025 Data a
Slide 34: Shareholder Performance
Shareholder Performance Tangible Book Value Per Share Earnings & Dividends Per Share $45.00 $7.00 $40.14 $6.25 $40.00 $6.00 $33.86 $34.58 $5.22 $35.00 $5.02 $4.92 $5.00 $30.00 $27.97 $25.48 $25.94 $3.88 $25.00 $4.00 $3.20 $20.00 $3.00 $15.00 $2.00 $1.46 $1.50 $1.57 $10.00 $1.14 $1.31 $1.08 $5.00 $1.
Slide 35: Capital to Support Growth
Capital to Support Growth Total Stockholders’ Equity ($ in millions) $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 $51.3 $50 $40 $30 $20 $10 $0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Data as of December 31, 2025 37
Slide 36: Growth & Asset Quality
Growth & Asset Quality Loan Delinquency (% of total loans) Total Gross Loans ($ in millions) $1,800 $1,700 1.40% 1.26% $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 $766 0.40% 0.31% 0.26% $800 $687 0.25% $637 0.19% $575 0.20% 0.14% 0.14% $600 $495 0.04% 0.03% 0.
Slide 37: Diversified CRE Portfolio
Diversified CRE Portfolio CRE Owner Occupied CRE Non-Owner Occupied CRE Const. & Land Development $159,508 $585,831 $221,402 1% 23%% 13% 3% 2% 16% 10% 11% 10% 38% 9% 18% 17% 6% 10% 57% 4% 8% 3% 5% 29% 16% 9% Retail & Mixed Use Office Buildings Multifamily Residential Student Housing Multifamily Resi
Slide 38: Shareholder Performance
Shareholder Performance • Strong ROE of 14.12% for YTD 2025 Return on Equity • EPS of $6.25 for YTD 2025 18.00% 16.00% 14.95% • Share price of $40.35 as of 1/16/26 14.00% 12.90% 14.08% 13.02% 14.12% 12.23% • Market valuation of 1.01% of TBV as of 12.00% 1/16/26 10.00% 8.00% • Consistent dividend exp
Slide 39: Stock Price Stability
Stock Price Stability 10-Year Total Return 10-Year stock price from January 19, 2016 to January 18, 2026 41
Slide 40: Execute disciplined financial strategies and expansion
Execute disciplined financial strategies, targeted expansion, and strong core performance that delivers legendary shareholder value and sustainable growth.
Slide 41: Recognition of Performance
Recognition of Performance Market Data as of May 5, 2026, S&P Capital IQ Pro 43
Slide 42: A Vision for the Future
A Vision for the Future
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45
Slide 44: Strategic priorities
Elevate leadership, expand talent management capabilities, and strengthen operational excellence to build a legendary organization. Enhance product management, segmentation, location strategy, and digital capability to drive legendary, customer-centric experiences. Achieve legendary community impact
Slide 45: Questions
Questions 48
Slide 46: Voting Results
Voting Results 49
Slide 47: Congratulations, Directors!
Congratulations, Directors! 50
Slide 48: 2026 Annual Shareholder Meeting
2026 Annual Shareholder Meeting