Vanceburg, KY · Cert 22355
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.15% | 0.82% | 0.75% | 1.18% | 1.00% | 0.59% | 0.31% | 0.55% | -63 bps | |
| Return on Equity | 6.62% | 4.75% | 4.42% | 6.83% | 5.79% | 3.49% | 1.84% | 3.26% | -357 bps | |
| Net Interest Margin | 4.06% | 3.78% | 3.74% | 4.10% | 4.19% | 4.01% | 3.81% | 4.00% | -10 bps | |
| Efficiency Ratio | 66.09% | 69.71% | 75.92% | 65.43% | 66.89% | 75.91% | 75.00% | 76.25% | +1,082 bps | |
| Non-Interest Burden | 2.50% | 2.39% | 2.70% | 2.41% | 2.67% | 2.85% | 2.70% | 2.93% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 8.44% | 3.73% | 3.15% | 7.35% | 6.40% | 4.38% | 4.04% | +88 bps | |
| Loan Growth (YoY) | 6.22% | -3.84% | -1.94% | 3.32% | 10.26% | 21.12% | 17.32% | 7.90% | +458 bps | |
| Deposit Growth (YoY) | 5.13% | 12.82% | 9.99% | 7.79% | 15.57% | 13.38% | 6.72% | 6.63% | -116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 1.48% | 1.32% | 0.37% | 2.25% | 2.42% | 3.06% | 1.74% | +137 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.51% | 0.14% | 1.56% | -0.03% | 0.09% | 1.92% | 0.01% | -154 bps | |
| Allowance / Loans | 1.75% | 1.81% | 1.73% | 1.26% | 1.26% | 1.28% | 1.07% | 1.20% | -6 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.3x | 3.4x | 0.6x | 0.5x | 0.3x | 0.7x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.41% | 15.89% | 16.14% | 16.16% | 16.37% | 15.89% | 15.37% | 15.67% | -48 bps | |
| Total Risk-Based Capital | 16.41% | 15.89% | 16.14% | 16.16% | 16.37% | 15.89% | 15.37% | 15.67% | -48 bps | |
| Equity / Assets | 17.67% | 16.81% | 17.09% | 17.44% | 17.12% | 16.60% | 16.86% | 17.04% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.35% | 72.77% | 72.50% | 78.44% | 77.61% | 77.74% | 79.70% | 79.37% | +93 bps | |
| Liquid Assets / Assets | 4.33% | 6.52% | 6.18% | 0.04% | 8.47% | 2.72% | 1.10% | 3.09% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 165.64% | 182.32% | 172.46% | n/a | n/a | |