NORTHEAST INDIANA BANCORP, INC. INCREASES QUARTERLY CASH DIVIDEND

(OTCQB:NIDB) Northeast Indiana Bancorp, Inc., the parent company of First Federal Savings Bank, announced that its Board of Directors has increased the cash dividend paid to shareholders for the 32nd consecutive year. The new cash dividend is $0.20 per common share per quarter, which is a $0.01 per share, or 5.26%, increase over the previous quarterly dividend. President and CEO Michael S. Zahn stated that the dividend increase is due to the company's continued strong financial performance and capital levels. The cash dividend will be payable on November 27, 2026 to shareholders of record on November 12, 2026. The annualized dividend yield is 3.26% based on a closing price of $24.56 per common share, which was the last reported trade on October 27, 2026. The book value of NIDB's stock was $23.82 per common share as of September 30, 2026. There were 2,349,909 shares outstanding as of September 30, 2026. Northeast Indiana Bancorp, Inc. offers a full array of banking and financial brokerage services through nine full-service Indiana offices in Huntington (3), Warsaw (2), Fort Wayne (3), and Roanoke (1). The company is traded on the OTC Markets Group, Inc. utilizing the OTCQB platform under the symbol "NIDB".

NORTHEAST INDIANA BANCORP, INC. ANNOUNCES THIRD QUARTER 2026 EARNINGS

(OTCQB:NIDB) Northeast Indiana Bancorp, Inc., parent company of First Federal Savings Bank, reported net income of $1,991,000 ($0.85 per diluted common share) for the quarter ended September 30, 2026, compared to $1,793,000 ($0.76 per diluted common share) for the same quarter in 2025. The annualized return on average assets (ROA) for the third quarter of 2026 was 1.45%, and return on average equity (ROE) was 14.11%, compared to 1.29% ROA and 13.95% ROE for the third quarter of 2025. Net interest income increased by $270,000 in Q3 2026 compared to Q3 2025. Provision for credit loss expense was $120,000 for Q3 2026, versus a reversal of $35,000 in Q3 2025. Total non-interest income was $805,000 in Q3 2026, up from $660,000 in Q3 2025. Total non-interest expense was $3.3 million for both Q3 2026 and Q3 2025. For the nine months ended September 30, 2026, net income was $5.5 million ($2.33 per diluted common share), compared to $4.5 million ($1.89 per diluted common share) for the same period in 2025. The annualized ROA for the nine months ended September 30, 2026, was 1.31%, and annualized ROE was 13.01%, compared to 1.10% ROA and 12.02% ROE for the nine months ended September 30, 2025. Total assets decreased by $8.7 million, or -2.1% annualized, to $550.6 million at September 30, 2026, from $559.3 million at December 31, 2025. Total net loans decreased by $19.3 million, or -6.0% annualized, to $406 million at September 30, 2026, from $425.3 million at December 31, 2025. Total deposits increased by $3.7 million, or 1.2% annualized, to $459.5 million at September 30, 2026, from $455.8 million at December 31, 2025. Shareholders' equity increased by $1.1 million to $56 million at September 30, 2026, from $54.9 million at December 31, 2025. The book value per common share decreased by $0.29 to $23.82 as of September 30, 2026, compared to $24.11 at June 30, 2026. The number of outstanding common shares was 2,349,909 as of September 30, 2026. Non-interest earning cash and cash equivalents were $5,375,010 at September 30, 2026. Interest-earning cash and cash equivalents were $11,856,514 at September 30, 2026. Securities available for sale totaled $80,744,092 at September 30, 2026. Securities held to maturity were $11,241,348 at September 30, 2026. Loans, gross, were $412,815,703 at September 30, 2026, with an allowance for credit losses of $6,834,287. Premises and equipment were valued at $8,604,711 at September 30, 2026. FHLB Stock was $2,835,000 at September 30, 2026. Cash surrender value of life insurance was $14,273,239 at September 30, 2026. Non-interest bearing deposits were $64,979,874 and interest bearing deposits were $394,540,651 at September 30, 2026. Borrowed funds totaled $30,500,000 at September 30, 2026. Accrued interest payable and other liabilities were $4,644,792 at September 30, 2026. Total liabilities were $494,665,317 and stockholders' equity was $55,984,349 at September 30, 2026. Total interest income for Q3 2026 was $7,802,808, and total interest expense was $2,789,780. Net interest income for Q3 2026 was $5,013,028. Service charges on deposit accounts were $196,563, interchange fees were $207,234, loan servicing fees were $79,147, and net gain on sale of loans was $143,349 for Q3 2026. Increase in cash surrender value of life insurance was $96,131, and other income was $82,481 for Q3 2026. Salaries and employee benefits expense was $1,729,135, occupancy expense was $477,940, data processing expense was $420,213, deposit insurance premiums were $77,000, professional fees were $164,741, advertising and marketing fees were $92,627, correspondent bank charges were $26,729, and other expense was $268,316 for Q3 2026. Income before income taxes was $2,441,232 and income tax expense was $449,877 for Q3 2026. Average shares outstanding (diluted) for Q3 2026 were 2,337,938. Net interest margin for Q3 2026 was 3.78%. Efficiency ratio for Q3 2026 was 55.98%. Non-performing loans were $13,649,679 and non-performing assets to total assets ratio was 2.48% at September 30, 2026. Allowance for credit losses to non-performing loans was 50.07% and to gross loans was 1.66% at September 30, 2026. Tangible common equity was 10.17% at September 30, 2026.

NORTHEAST INDIANA BANCORP, INC. ANNOUNCES CASH DIVIDEND AND NAMES KEVIN L. DEARDORFF TO BOARD OF DIRECTORS

(OTCQB: NIDB) Northeast Indiana Bancorp, Inc., the parent company of First Federal Savings Bank, announced that the Corporation will pay a cash dividend of $0.19 per common share. This dividend will be payable on August 27, 2026, to common shareholders of record on August 13, 2026. The book value of NIDB's stock was $24.11 per common share as of June 30, 2026. The last reported trade of the Company's stock at the close of business on July 28, 2026 was $24.10 per common share, with 2,349,909 outstanding common shares as of the same date. The annualized dividend yield is currently 3.15% when annualizing the current quarter cash dividend of $0.19 per common share against the July 28, 2026 closing price of $24.10 per common share. Kevin L. Deardorff was appointed to the boards of Northeast Indiana Bancorp, Inc. and First Federal Savings Bank effective July 28, 2026. Northeast Indiana Bancorp, Inc. offers a full array of banking and financial brokerage services through its nine full-service Indiana offices.

NORTHEAST INDIANA BANCORP, INC. ANNOUNCES SECOND QUARTER 2026 EARNINGS

(OTCQB: NIDB) Northeast Indiana Bancorp, Inc., the parent company of First Federal Savings Bank, announced net income of $1,873,000 ($0.80 per diluted common share) for the quarter ended June 30, 2026, compared to $1,641,000 ($0.69 per diluted common share) for the quarter ended June 30, 2025. The current three months earnings equate to an annualized return on average assets (ROA) of 1.34% and a return on average equity (ROE) of 13.36%, compared to an ROA of 1.19% and an ROE of 13.27% for the prior year quarter. Net interest income increased $507,000 in the second quarter of 2026 compared to the same period in 2025, and provision for credit loss expense was $155,000 for the three months ended June 30, 2026, compared to $200,000 for the same period in 2025. Total non-interest income was $744,000 in the second quarter of 2026, while total non-interest expense was $3.3 million for the three months ended June 30, 2026. Net income for the six months ended June 30, 2026, was $3.5 million, or $1.48 per diluted common share, compared to $2.7 million, or $1.13 per diluted common share for the six months ended June 30, 2025. Total assets decreased $5.4 million, or -3.9% on an annualized basis, to $553.9 million at June 30, 2026, and total deposits increased $2 million, or 1.7% on an annualized basis, to $457.8 million at June 30, 2026.

NORTHEAST INDIANA BANCORP, INC. ANNOUNCES FIRST QUARTER 2026 EARNINGS

Northeast Indiana Bancorp, Inc. (OTCQB: NIDB) reported net income of $1,599,000 ($0.68 per diluted common share) for the first quarter ended March 31, 2026, up from $1,059,000 ($0.44 per diluted common share) for the same period in 2025. The company achieved an annualized return on average assets (ROA) of 1.14% and return on average equity (ROE) of 11.51% for the quarter. Total assets decreased to $557.8 million at March 31, 2026, while total deposits increased to $458.1 million. Shareholders' equity rose to $55.9 million, and the book value per share increased to $23.63. These results reflect improved profitability and capital position for the company.