Arlington, KY · Cert 16852 · Carlisle Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Paducah, KY-IL · 2026 SOD (annual) · 8.8% share · #5 of 15 inst. · $0.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.15% | 1.03% | 1.22% | 1.18% | 1.17% | 1.16% | 1.36% | +13 bps | |
| Return on Equity | 8.19% | 10.00% | 9.19% | 10.78% | 10.21% | 10.10% | 10.16% | 11.63% | +85 bps | |
| Net Interest Margin | 3.16% | 3.17% | 3.33% | 3.51% | 3.38% | 3.36% | 3.29% | 3.46% | -5 bps | |
| Efficiency Ratio | 64.03% | 57.10% | 62.49% | 57.77% | 57.14% | 58.44% | 58.17% | 54.11% | -366 bps | |
| Non-Interest Burden | 1.92% | 1.68% | 1.98% | 1.91% | 1.81% | 1.85% | 1.80% | 1.72% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 4.66% | 7.04% | 5.88% | 7.36% | 10.83% | 7.72% | 8.73% | +285 bps | |
| Loan Growth (YoY) | 8.46% | 6.89% | 8.18% | 8.70% | 6.50% | 8.24% | 7.57% | 7.29% | -141 bps | |
| Deposit Growth (YoY) | 5.67% | 6.67% | 9.23% | 6.58% | 7.66% | 9.89% | 6.52% | 8.72% | +214 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.67% | 0.96% | 0.68% | 0.16% | 0.67% | 0.70% | 0.94% | +26 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.01% | 0.02% | 0.00% | 0.00% | 0.01% | 0.03% | +1 bps | |
| Allowance / Loans | 2.05% | 2.02% | 2.07% | 1.98% | 1.96% | 1.91% | 1.96% | 1.89% | -10 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.0x | 2.1x | 2.9x | 12.2x | 2.9x | 2.8x | 2.0x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.33% | 14.14% | 14.14% | 14.24% | 13.76% | 13.53% | 13.40% | 13.66% | -58 bps | |
| Total Risk-Based Capital | 14.33% | 14.14% | 14.14% | 14.24% | 13.76% | 13.53% | 13.40% | 13.66% | -58 bps | |
| Equity / Assets | 11.85% | 11.14% | 11.27% | 11.43% | 11.72% | 11.38% | 11.52% | 11.82% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.99% | 85.83% | 82.95% | 87.86% | 87.04% | 84.55% | 83.76% | 86.71% | -115 bps | |
| Liquid Assets / Assets | 2.08% | 2.79% | 5.02% | 1.97% | 4.03% | 4.44% | 3.55% | 3.61% | +164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.73% | 77.85% | 76.78% | n/a | n/a | |