KISH BANCORP Business Summary

Kish Bancorp Inc. (OTCQX: KISB) is a diversified financial services holding company that generates revenue through a mix of net interest income from its banking operations and fee-based non-interest income from its specialized subsidiaries. The company’s primary segment, Kish Bank, provides commercial and retail banking services, while its non-banking units—Kish Insurance, Kish Financial Solutions, Kish Benefits Consulting, and Kish Travel—contribute significant revenue through property and casualty insurance commissions, wealth management advisory, employee benefits consulting, and full-service travel agency fees. As of early 2026, the company has aggressively expanded its market share in central Pennsylvania and northeastern Ohio, leveraging its "ATM+ Live Banker" technology to enter rural markets with lower overhead than traditional branches. Kish Bancorp competes directly with regional peers such as Citizens Financial Services Inc. (CZFS), Unity Bancorp Inc. (UNTY), and Landmark Bancorp Inc. (LARK), positioning itself as a high-performing community bank with a top-tier return on equity (ROE) and a focus on technology-driven client engagement. Originally founded in 1900 by A. Reed Hayes, Sr. and a group of local investors, the company is currently led by the fourth generation of the Hayes family, emphasizing long-term stability and local governance. Gregory T. Hayes serves as President and CEO, having assumed the role in 2023 after nearly two decades in leadership positions across the bank’s retail and commercial divisions. He is supported by Executive Chairman William P. Hayes, who led the company as CEO for 40 years, and Interim CFO Tina M. Collins, who was promoted in late 2025 to oversee financial operations following the retirement transition of Mark J. Cvrkel. The executive team also includes Mark Yerger as EVP and Chief Information Officer, who spearheads the Kish Innovation Center’s digital strategy. The company’s Board of Directors features notable regional leaders, including former Penn State University President Eric Barron and Paul Silvis, reflecting a high-pedigree oversight team that has maintained uninterrupted dividend payments since 1987.