Irvington, KY · Cert 12149 · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 3 branches (27 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.96% | 1.91% | 1.77% | 1.72% | -17 bps | |
| Return on Equity | 19.41% | 19.72% | 18.95% | 17.50% | 16.92% | -249 bps | |
| Net Interest Margin | 4.08% | 4.08% | 4.01% | 3.95% | 3.66% | -42 bps | |
| Efficiency Ratio | 47.47% | 45.00% | 46.07% | 44.00% | 45.90% | -157 bps | |
| Non-Interest Burden | 1.70% | 1.59% | 1.62% | 1.52% | 1.49% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.53% | 8.68% | 9.66% | 19.97% | 15.00% | +548 bps | |
| Loan Growth (YoY) | 17.74% | 10.72% | 9.85% | 6.10% | 6.11% | -1,163 bps | |
| Deposit Growth (YoY) | 9.31% | 11.69% | 8.75% | 22.87% | 18.89% | +959 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.06% | 0.23% | 0.10% | 1.33% | +123 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.05% | 0.03% | +2 bps | |
| Allowance / Loans | 0.25% | 0.25% | 0.24% | 0.25% | 0.25% | +1 bps | |
| Allowance Coverage of NPLs | 2.4x | 3.9x | 1.1x | 2.5x | 0.2x | -2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.61% | 11.99% | 11.99% | 11.89% | 11.23% | -38 bps | |
| Total Risk-Based Capital | 15.34% | 16.11% | 16.04% | 16.48% | 16.76% | +142 bps | |
| Equity / Assets | 10.00% | 10.59% | 10.62% | 9.63% | 10.29% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.23% | 90.99% | 90.38% | 78.59% | 81.42% | -981 bps | |
| Liquid Assets / Assets | 0.18% | 1.46% | 2.08% | 13.84% | 8.35% | +817 bps | |
| CRE / Total Capital | n/a | 231% | 241% | 238% | n/a | n/a | |