The Farmers National Bank of Lebanon

Lebanon, KentuckyFDIC Cert #2754

OCCEstablished 18902 branches

Holding company: LEBANON BANCSHARES INCRegulator: OCC

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	$10.8M
Investor CRE	$19.4M
Multifamily	$9.89M
Construction	$6.92M
1–4 family	$40M
C&I	$7.31M
Agriculture	$5.09M
Other	$11.6M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$111M

+28.8%y/y

Percentile by value48th percentileby value

FDICLNLSGR

Net loans

$110M

+29.1%y/y

Percentile by value48th percentileby value

FDICLNLSNET

Loans YoY

+29.08%

+182.2%y/y

Percentile by value96th percentileby value

FDICLNLSNET

L/D

75.5%

+11.9%y/y

Percentile by value54th percentileby value

FDICLNLSNET + DEP

Loans/assets

67.6%

+11.6%y/y

Percentile by value61st percentileby value

FDICLNLSNET + ASSET

RE loans %

85.89%

+7.6%y/y

Percentile by value67th 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

1,888points

+35.1%y/y

Peer standing77th percentile

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

Owner CRE %

9.74%

−9.9%y/y

Percentile by value52nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

17.45%

−10.9%y/y

Percentile by value79th percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.59%

−28.9%y/y

Percentile by value27th percentileby value

FDICLNCI + LNLSGR