The Bank has an unsecured federal funds purchased line of credit through Independent Correspondent Bankers’ Bank with a maximum borrowing amount of $5.0 million. At December 31, 2025 and 2024, the Bank had no outstanding federal funds purchased under the line of credit.

The Bank also has a $2.0 million revolving line of credit with Stock Yards Bank & Trust Company. At December 31, 2025 and 2024, the Bank had no outstanding borrowings under the line of credit.

On February 28, 2024 the Bank entered into an Overdraft Line of Credit Agreement with the FHLB which established a line of credit not to exceed $10.0 million secured under the blanket collateral agreement. This agreement expires on March 2, 2027 and automatically renewed for an additional one-year term. At December 31, 2025 and 2024, there were no borrowings under the agreement.