PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

W B H Employees

Paducah, KY · Charter 10274

NCUA · 1 branch

Q2 2026

$17.6MAssets
$7.3MLoans
$15.1MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of -1.75%, down 220 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.05% of loans (-127 bps YoY).
  • Capital: net worth / assets of 12.98%, down 322 bps from a year ago.
  • Funding: loans stand at 48.08% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-1.75%-220 bps YoY

Net Interest Margin (quarter, annualized)

4.32%-71 bps YoY

Efficiency Ratio (quarter, annualized)

115.95%+3,745 bps YoY

Net Worth / Assets

12.98%-322 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%-0.52%0.57%0.45%-1.78%-1.78%-2.12%-1.75%-220 bps
Return on Equity3.72%-3.09%3.57%2.80%-12.05%-12.05%-15.37%-13.48%-1,629 bps
Net Interest Margin4.53%5.42%5.05%5.03%5.10%5.16%4.63%4.32%-71 bps
Efficiency Ratio72.64%70.13%78.61%78.50%80.23%86.52%106.61%115.95%+3,745 bps
Growth
Asset Growth (YoY)4.13%-16.51%-13.65%-13.19%-13.31%0.99%-0.73%2.78%+1,597 bps
Loan Growth (YoY)-7.18%-13.22%-15.88%-14.14%-18.23%-17.41%-19.44%-16.36%-222 bps
Share Growth (YoY)11.92%-18.90%-15.12%-14.61%-13.45%3.51%1.60%6.10%+2,071 bps
Asset Quality
Delinquent Loans / Loans1.78%3.21%0.33%1.32%0.09%0.02%0.71%0.05%-127 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.80%16.70%16.04%16.20%14.80%14.74%13.78%12.98%-322 bps
Net Worth / Assets14.80%16.70%16.04%16.20%14.80%14.74%13.78%12.98%-322 bps
Liquidity & Funding
Loans / Shares60.23%71.16%63.42%60.99%56.90%56.77%50.28%48.08%-1,291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps