Edmonton State Bank

Glasgow, KentuckyFDIC Cert #9678

STATEEstablished 189918 branches

Holding company: EDMONTON BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$109M
Investor CRE	$91.7M
Multifamily	$91.4M
Construction	$106M
1–4 family	$308M
C&I	$49.1M
Agriculture	$88.4M
Other	$59.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$903M

+7.1%y/y

Percentile by value33rd percentileby value

FDICLNLSGR

Net loans

$893M

+7.2%y/y

Percentile by value33rd percentileby value

FDICLNLSNET

Loans YoY

+7.16%

+26.5%y/y

Percentile by value54th percentileby value

FDICLNLSNET

L/D

87.9%

−0.2%y/y

Percentile by value62nd percentileby value

FDICLNLSNET + DEP

Loans/assets

76.5%

−0.1%y/y

Percentile by value69th percentileby value

FDICLNLSNET + ASSET

RE loans %

90.18%

+3.8%y/y

Percentile by value70th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,764points

+12.3%y/y

Peer standing69th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

12.09%

+4.5%y/y

Percentile by value45th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.15%

−7.3%y/y

Percentile by value15th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.44%

−21.9%y/y

Percentile by value18th percentileby value

FDICLNCI + LNLSGR