Presentation Slides: Performance Trust Capital Connect Equity Conference

Performance Trust Capital Connect Equity Conference

June 3-4, 2025

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 differentiated client experience

• Rapidly growing with significant potential in Centre, Blair and Juniata Counties, and Northeastern Ohio from Columbus to Cleveland

• Quality is Kish's hallmark: People, Credit Culture, Kish Experience

Financial Profile

$1.77 billion in total assets

$1.50 billion in net loans

$1.30 billion in deposits

$110.0 million in stockholders' equity

Market capitalization of $98.2 million

11.71% Q2 2025 ROAE

Data as of March 31, 2025 3

More Than a Bank

Data as of March 31, 2025

• 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 19.1% of net operating income in Q1 2025

• Disciplined acquirer and integrator of non-bank businesses

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  Experienced Executive Leadership
  
  William P. Hayes

  Executive Chairman

  • 48 years with Kish

  • Asset growth under leadership: $28M to $1.8B

  • Past Chairman, PA Bankers

  • Broad community engagement and industry leadership

    
    
    Mark J. Cvrkel

    EVP, Chief Financial Officer

  • 9 years with Kish

  • Over 45 years of financial services experience

  • Extensive experience in balance sheet management, profitability measurement, and derivatives

    Gregory T. Hayes
    
    

    President and CEO

  • 19 years with Kish

  • Chair, Bankers Advisory Board of the Conference of State Bank Supervisors

  • Committed to pioneering next-gen banking and ensuring the future of community banking

    
    
    Richard A. Sarfert

    EVP, Chief Credit Officer

  • 9 years with Kish

  • Over 38 years in financial services industry, focused on commercial lending and credit administration

    Robert S. McMinn, Esq.
    
    

    EVP, General Counsel

  • 27 years with Kish

  • Extensive background in law and executive management

    
    
    Keith A. Crissman

    EVP, Chief Revenue Officer

  • 2 years with Kish

  • 36 years in banking industry with 25 years of multi-state line of business executive roles in Retail Banking, Wealth Management and Treasury Management

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