Paducah, KY · Cert 16664 · Paducah Bank Shares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Paducah, KY-IL · 2026 SOD (annual) · 24.6% share · #1 of 15 inst. · $0.8B of $3.3B
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 | 1.35% | 1.46% | 1.62% | 1.83% | 1.72% | +37 bps | |
| Return on Equity | 13.09% | 13.50% | 14.58% | 17.15% | 16.98% | +390 bps | |
| Net Interest Margin | 3.82% | 4.08% | 4.18% | 4.02% | 4.06% | +24 bps | |
| Efficiency Ratio | 60.34% | 58.96% | 56.30% | 53.30% | 55.87% | -448 bps | |
| Non-Interest Burden | 1.97% | 2.06% | 1.95% | 1.73% | 1.87% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.64% | 2.06% | 8.36% | -1.05% | 3.97% | -267 bps | |
| Loan Growth (YoY) | 2.43% | 7.33% | 8.98% | 7.38% | 8.43% | +600 bps | |
| Deposit Growth (YoY) | 6.12% | 1.57% | 8.94% | 0.06% | 2.56% | -355 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.02% | 0.20% | 0.19% | +16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.01% | 0.03% | +1 bps | |
| Allowance / Loans | 1.60% | 1.60% | 1.58% | 1.58% | 1.54% | -6 bps | |
| Allowance Coverage of NPLs | 47.6x | 53.6x | 80.2x | 7.8x | 7.9x | -39.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.92% | 11.39% | 11.47% | 10.43% | 10.63% | -30 bps | |
| Total Risk-Based Capital | 15.41% | 15.28% | 15.18% | 14.16% | 14.12% | -129 bps | |
| Equity / Assets | 10.46% | 11.12% | 11.13% | 10.21% | 10.00% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.76% | 97.57% | 98.07% | 94.97% | 95.95% | +519 bps | |
| Liquid Assets / Assets | 6.85% | 2.21% | 3.07% | 3.70% | 6.51% | -34 bps | |
| CRE / Total Capital | n/a | 306% | 315% | 343% | n/a | n/a | |