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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 1.71% | 1.59% | 1.50% | 1.84% | +17 bps | |
| Return on Equity | 21.26% | 20.03% | 18.31% | 18.12% | 22.84% | +158 bps | |
| Net Interest Margin | 4.62% | 4.85% | 4.83% | 4.49% | 4.85% | +23 bps | |
| Efficiency Ratio | 58.28% | 59.41% | 62.57% | 61.43% | 56.06% | -221 bps | |
| Non-Interest Burden | 2.52% | 2.70% | 2.86% | 2.62% | 2.54% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.07% | 8.78% | 5.06% | 6.87% | 12.07% | +400 bps | |
| Loan Growth (YoY) | 16.56% | 18.85% | 25.03% | 21.22% | 19.39% | +283 bps | |
| Deposit Growth (YoY) | 7.87% | 8.91% | 2.48% | 6.38% | 12.30% | +443 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.65% | 0.57% | 0.59% | 0.97% | +28 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.05% | 0.00% | -0.01% | +1 bps | |
| Allowance / Loans | 1.54% | 1.53% | 1.41% | 1.36% | 1.37% | -17 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.4x | 2.5x | 2.3x | 1.4x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.57% | 12.00% | 11.40% | 11.01% | 10.82% | -75 bps | |
| Total Risk-Based Capital | 20.09% | 20.45% | 19.50% | 19.08% | 18.72% | -137 bps | |
| Equity / Assets | 8.17% | 8.88% | 8.52% | 8.07% | 8.05% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.85% | 76.82% | 78.36% | 77.52% | 78.52% | +466 bps | |
| Liquid Assets / Assets | 5.67% | 4.29% | 4.39% | 5.24% | 4.78% | -88 bps | |
| CRE / Total Capital | n/a | 178.07% | 196.78% | 212% | n/a | n/a | |