Mission To achieve sustained success through an unwavering focus on - PowerPoint PPT Presentation

Mission To achieve sustained success through an unwavering focus on fulfilling our clients’ financial needs. 2

Class 1 Directors CLASS 1 DIRECTORS WHOSE TERMS EXPIRE IN 2020 Director of Corporation/ Name Age Principal Occupation Bank Since Eric J. Barron 68 President, The Pennsylvania State University 2018 William L. Dancy 73 Retired, President and Owner, J. M. Young & Sons, Inc. 2003/2003 Gregory T. Hayes 43 President and Chief Operating Officer, Kish Bank and Kish 2019/2018 Bancorp, Inc. Paul G. Howes 65 Executive Vice President, Translatum Medicus Inc. 2014/2013 Paul H. Silvis 65 Founder, President and Head Coach, SilcoTek Corporation 2015/2015 3

Class 2 and 3 Directors • William P. Hayes • James J. Lakso • William S. Lake • Spyros A. Degleris • Edward A. Friedman • George V . Woskob • Frances V . Vaughn • Kathleen L. Rhine 4

Second Order of Business • Amendment to Restricted Stock Plan of 1988 5

2019 Review 6

Strong Board The Board of Directors of Kish Bancorp, Inc. Front row: Kathleen Rhine, Bill Hayes, Greg Hayes, and Fran Vaughn. Back row: Eric Barron, Bill Lake, George Woskob, Paul Howes, Bill Dancy, Jim Lakso, Paul Silvis, and Spyros Degleris. Not pictured: Ed Friedman. 7

Executive Leadership William P. Hayes Gregory T. Hayes Robert S. McMinn, Mark J. Cvrkel Peter D. Collins Richard A. Sarfert Suzanne M. White Esq. Chairman & Chief President & Chief Executive Vice President, Executive Vice President, Executive Vice President, Senior Vice President, Executive Officer Operating Officer Chief Financial Officer Chief Credit Officer Chief Lending Officer Human Resources & Executive Vice President, Development Director General Counsel • 43 years with Kish • 14 years with Kish • 17 years with Kish • 4 years with Kish • 6 years with Kish • 4 years with Kish • 13 years with Kish • Past Chair of PA • Member of PA • Extensive background • Extensive executive • 38 years in banking • 30+ years in the • Member of the PA Bankers Association Bankers Association in law and executive experience at banks industry financial services Bankers Association Board of Directors management with assets in excess industry focused on Professional • Has grown Kish from • Extensive of $1 billion commercial lending Development • Member of Summit $28 million to $918 management Committee • Member of the PA million in assets in Technology Group experience at banks time as CEO Board of Directors Bankers Association ranging from $3 40-Year Club billion to $100 billion • Drives technological in assets innovation at Kish 8

2019 Highlights • Sustained Growth • Earnings Performance across All Business Units • Market Share Gains • High Quality Balance Sheet • Prudent Capital Management and Return on Equity • Twin Rails Approach to Innovation and Transformation • Insurance Agency Acquisition • Preparedness 9

Sustained Growth Over Time Total Assets ($ in millions) Total Gross Loans ($ in millions) $700 $950 $918 $690 $637 $900 $650 $851 $850 $811 $576 $600 $800 $550 $725 $750 $496 $697 $500 $700 $452 $660 $630 $450 $420 $650 $387 $374 $400 $371 $600 $560 $557 $558 $358 $550 $350 $500 $300 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Total Deposits ($ in millions) $750 $710 $682 $700 $654 $650 $600 $562 $543 $550 $509 $494 $494 $500 $460 $455 $446 $450 $400 $350 2010 2011 2012 2013 2013 2014 2015 2016 2017 2018 2019 10

Asset Quality Loan Delinquency (% of total loans) Net Charge-Offs / Average Loans KISB Peers¹ 2.50% KISB Peers¹ 0.35% 2.11% 0.30% 2.00% 0.25% 1.61% 0.17% 0.20% 1.26% 1.50% 1.31% 0.15% 0.11% 0.94% 0.06% 0.10% 1.00% 0.05% 0.05% 0.01% 0.00% 0.50% 0.00% 0.22% 0.06% 2013 2014 2015 2016 2017 2018 2019 -0.05% 0.00% -0.10% -0.07% 2013 2014 2015 2016 2017 2018 2019 Reserves / Gross Loans KISB Peers¹ 1.80% 1.53% 1.60% 1.43% 1.40% 1.27% 1.22% 1.09% 1.20% 1.04% 0.99% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% 2013 2014 2015 2016 2017 2018 2019 11

Markets Deposit Market Share Mifflin • 9 locations Market Deposits Market Total • Ranked #1 with 43.66% of deposit market share County Share in Market Share Market Rank ($000) (%) ($000) Huntingdon Mifflin, PA 1 347,172 43.66% 795,209 • 3 locations Huntingdon, PA 3 133,987 21.58% 620,935 • Ranked #3 with 21.58% of deposit market share Centre, PA 6 218,799 6.21% 3,462,130 Centre • 4 locations • Ranked #6 with 6.21% of deposit market share • Ranked #1 among community banks Data as of June 30, 2019 12 Source: FDIC

Capital Summary • Quality • Appropriate leverage • Retained earnings • Performance that engenders trust • Risk Management 13 Financial data as of December 31, 2019

Return on Equity Price/Tangible Book KISB Peers¹ KISB Peers¹ 16.00% 250% 14.00% 200% 11.56% 12.00% 10.71% 143.60% 9.70% 136.20% 9.54% 150% 10.00% 125.30% 8.89% 8.54% 111.00% 107.71% 107.70% 99.70% 7.45% 8.00% 100% 6.00% 50% 4.00% 2.00% 0% 2013 2014 2015 2016 2017 2018 2019 2013 2014 2015 2016 2017 2018 2019 1 Includes public banks in PA with assets between $500 million and $1 billion. 14 Source: SNL Financial

Profitability Net Income ($ in thousands) Net Interest Income ($ in thousands) 8,000 30,000 27,538 7,007 25,757 7,000 23,101 6,030 25,000 20,868 6,000 19,661 18,630 4,617 20,000 17,537 4,494 5,000 4,359 4,217 4,140 4,000 15,000 3,000 10,000 2,000 5,000 1,000 0 0 2013 2014 2015 2016 2017 2018 2019 2013 2014 2015 2016 2017 2018 2019 Net Interest Margin 4.00% 3.31% 3.41% 3.40% 3.35% 3.29% 3.50% 3.27% 3.26% 3.00% 2.50% 2.00% 1.50% 1.00% 2013 2014 2015 2016 2017 2018 2019 15

Bank & Non-Bank Fee Income Expansion • Bank and Non-Bank Business Revenues Non-Interest Income ($ in thousands) – Diversified sources of revenue – 8,502 9,000 Wealth management 8,000 7,440 7,096 • 2019 revenue of $1.6 million up 8.34% over 2018 6,748 7,000 6,460 6,492 6,423 – Kish Insurance recurring revenue 6,000 5,000 2019 revenue of $1.2 million up 8.70% 1 over 2018 • 4,000 – Kish Travel 3,000 2,000 • 2019 revenue of $371 thousand up 19.31% over 2018 1,000 – Kish Benefits Consulting 0 2013 2014 2015 2016 2017 2018 2019 • 2019 revenue of $585 thousand up 23.48% over 2018 – Mortgage Banking • 2019 non-interest income of $1.2 million up 36.5% over 2018 1 Excludes contingency income 16

2020 to 2022 Strategic Plan

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2020 Areas of Strategic Focus • Expanding Team Capacity – We will achieve a high performing team through a focus on elevating knowledge. • Increasing Client Intimacy – We will achieve a higher level of customer intimacy to better serve them. • Fostering Community Well-Being – We will understand the needs of our communities and contribute to their sustainability and well-being. 19

Existing Strategies • Brand Strategy – We will execute on the evolution of the Kish Brand as the market leader in banking, Insurance, Wealth, Benefits Consulting, and Travel. • Growth Strategy – We will execute our growth strategy that will double the size of the organization in 5 years, well beyond $1 Billion in total assets. • Digital Strategy – We will continue to innovate along the twin rails of Digital and Traditional delivery beyond our Vision for Kish 2020. 20

A Vision for Kish 2020 – Update Kish Innovation • Kish Core Transformation • Kish Innovation Center • Kish Technology Modernization 21

Kish Core Transformation • Simplified Solutions – New banking solutions that are simplified and powerful • Digital Tools – Digital banking access to do more, anytime, anywhere • Empowered People – Making Kish better, to better serve you 22

Kish Innovation Center • Human Side of Innovation – Empowering people through a focus on quality and development • Scalability of Growth – The foundation of our ability to do more with less • Branch of the Future & Call Center – Digital client support for the future of Kish 23

Kish Technology Innovation • Connectivity as a foundation – SDWAN architecture with 10X current speeds and redundancy • Best-in-class Information Security – Real-time cyber monitoring program • Cloud-based solutions – Scalable phone and computing solutions that expand our ability to deliver solutions 24

COVID-19 Impact 25

Fast Response • PPP loans • Mortgage originations • Commercial and mortgage loan deferrals 26

Shareholder Focus • Strong organic revenue growth and scalable infrastructure leading to double digit growth in EPS and return on shareholder equity • 1 Net income of $7.0 million in 2019 compared to $4.4 million in 2014 • 1 Earnings per share $2.80 in 2019 compared to $1.82 in 2014 • 1 Market Valuation of 125.3% of TBV in 2019 compared to 99.7% in 2014 • Consistent dividend expansion with a current yield of ~3.6% • 1 Share price of $30.75 in 2019 increased 59% compared to $19.33 in 2014 1 For comparability, per share data for 2014 has been adjusted to reflect the 2-for-1 stock split in 2018. 27