Taylorsville, KY · Cert 1566 · Lake Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
37
Profitability
90
Liquidity
98
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Taylorsville, KY · Cert 1566 · Lake Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.3% share · #29 of 43 inst. · $0.1B of $48.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.42% | 1.38% | 1.54% | 1.59% | 1.59% | 1.50% | 1.68% | +14 bps | |
| Return on Equity | 17.91% | 17.91% | 18.53% | 19.95% | 19.90% | 19.60% | 18.12% | 20.42% | +47 bps | |
| Net Interest Margin | 4.43% | 4.21% | 4.22% | 4.42% | 4.63% | 4.51% | 4.49% | 4.62% | +21 bps | |
| Efficiency Ratio | 62.79% | 63.34% | 62.42% | 60.27% | 59.97% | 60.66% | 61.43% | 58.62% | -165 bps | |
| Non-Interest Burden | 2.59% | 2.49% | 2.48% | 2.50% | 2.61% | 2.58% | 2.62% | 2.55% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.76% | 4.30% | 8.86% | 8.07% | 8.78% | 5.06% | 6.87% | 12.07% | +400 bps | |
| Loan Growth (YoY) | 3.86% | 10.29% | 17.28% | 16.56% | 18.85% | 25.03% | 21.22% | 19.39% | +283 bps | |
| Deposit Growth (YoY) | -7.13% | 4.81% | 8.91% | 7.87% | 8.91% | 2.48% | 6.38% | 12.30% | +443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.96% | 0.84% | 0.69% | 0.65% | 0.57% | 0.59% | 0.97% | +28 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.08% | 0.03% | 0.03% | 0.03% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 1.78% | 1.72% | 1.59% | 1.54% | 1.53% | 1.41% | 1.36% | 1.37% | -17 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.8x | 1.9x | 2.2x | 2.4x | 2.5x | 2.3x | 1.4x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.41% | 11.73% | 11.44% | 11.57% | 12.00% | 11.40% | 11.01% | 10.82% | -75 bps | |
| Total Risk-Based Capital | 22.82% | 21.93% | 20.72% | 20.09% | 20.45% | 19.50% | 19.08% | 18.72% | -137 bps | |
| Equity / Assets | 9.19% | 7.32% | 7.60% | 8.17% | 8.88% | 8.52% | 8.07% | 8.05% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.40% | 64.22% | 68.03% | 73.85% | 76.82% | 78.36% | 77.52% | 78.52% | +466 bps | |
| Liquid Assets / Assets | 2.75% | 11.14% | 8.54% | 5.67% | 4.29% | 4.39% | 5.24% | 4.78% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.07% | 196.78% | 212% | n/a | n/a | |
Taylorsville, KY · Cert 1566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lake Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.64%
Rank 125 of 746
Net Interest Margin
4.62%
Rank 73 of 746
Efficiency Ratio
58.62%
Rank 256 of 746
Equity / Assets
8.05%
Rank 645 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.72% | 1.06% | 1.45% | Beats 83% | 125 / 746 | ||
| Return on Equity | 20.37% | 6.74% | 10.51% | 13.63% | Beats 96% | 28 / 746 | ||
| Net Interest Margin | 4.62% | 3.17% | 3.68% | 4.16% | Beats 90% | 73 / 746 | ||
| Efficiency Ratio | 58.62% | 55.74% | 64.58% | 75.47% | Beats 66% | 256 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.97% | 0.09% | 0.42% | 1.07% | Beats 28% | 536 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 409 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.46% | 11.55% | 13.75% | 17.60% | Beats 74% | 193 / 746 | ||
| Total Risk-Based Capital Ratio | 18.72% | 11.71% | 14.33% | 18.43% | Beats 76% | 176 / 746 | ||
| Equity / Assets | 8.05% | 8.90% | 10.51% | 13.06% | Beats 14% | 645 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.52% | 61.31% | 78.27% | 90.78% | 50th pctl | 371 / 746 | ||
| Loans / Assets | 71.84% | 53.60% | 66.97% | 76.08% | 62nd pctl | 285 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||