Brandenburg, KY · Cert 25173 · Meade Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (7 in holding)
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.8% share · #18 of 43 inst. · $0.4B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.04% | 0.92% | 1.08% | 1.30% | 1.35% | 1.34% | 0.95% | -13 bps | |
| Return on Equity | 12.11% | 14.38% | 12.84% | 14.95% | 17.46% | 17.54% | 17.34% | 12.10% | -285 bps | |
| Net Interest Margin | 2.70% | 2.86% | 2.97% | 3.10% | 3.19% | 3.28% | 3.27% | 3.11% | +1 bps | |
| Efficiency Ratio | 63.13% | 60.52% | 62.05% | 58.88% | 51.50% | 55.50% | 51.26% | 63.10% | +422 bps | |
| Non-Interest Burden | 1.58% | 1.58% | 1.73% | 1.69% | 1.48% | 1.58% | 1.52% | 1.84% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.91% | 7.61% | 7.55% | 6.72% | 7.30% | 8.87% | 9.93% | 6.17% | -55 bps | |
| Loan Growth (YoY) | 10.07% | 10.14% | 11.01% | 9.99% | 10.58% | 10.42% | 8.97% | 8.24% | -175 bps | |
| Deposit Growth (YoY) | 15.04% | 8.51% | 8.66% | 7.37% | 8.12% | 9.56% | 10.45% | 6.23% | -115 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.02% | 0.09% | 0.00% | 0.03% | 0.21% | 0.07% | 0.19% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | 0.01% | 0.00% | 0.01% | 0.00% | 0.05% | +4 bps | |
| Allowance / Loans | 0.30% | 0.30% | 0.31% | 0.31% | 0.31% | 0.32% | 0.31% | 0.32% | +1 bps | |
| Allowance Coverage of NPLs | 7.1x | 12.8x | 3.5x | 185.2x | 11.5x | 1.5x | 4.2x | 1.7x | -183.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.58% | 8.67% | 8.66% | 8.67% | 8.78% | 8.86% | 8.96% | 8.84% | +17 bps | |
| Total Risk-Based Capital | 12.45% | 12.66% | 12.57% | 12.68% | 12.63% | 12.96% | 13.05% | 13.34% | +66 bps | |
| Equity / Assets | 7.32% | 7.20% | 7.17% | 7.31% | 7.61% | 7.81% | 7.64% | 8.07% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.57% | 99.49% | 98.83% | 98.99% | 100.82% | 100.27% | 97.51% | 100.87% | +188 bps | |
| Liquid Assets / Assets | 1.52% | 1.37% | 2.02% | 2.21% | 1.03% | 1.41% | 4.24% | 1.73% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 340% | 340% | n/a | n/a | |