Louisville, KY · Cert 26703 · First Breckinridge Bancshares
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
78
Profitability
44
Liquidity
78
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Louisville, KY · Cert 26703 · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 7 branches (27 in holding)
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.9% share · #14 of 43 inst. · $0.4B of $48.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.40% | 0.30% | 0.54% | 0.82% | 0.82% | 0.78% | 1.02% | +48 bps | |
| Return on Equity | 3.54% | 4.72% | 3.58% | 6.44% | 9.53% | 9.35% | 8.00% | 10.26% | +382 bps | |
| Net Interest Margin | 2.32% | 2.37% | 2.84% | 2.86% | 2.90% | 2.94% | 3.08% | 3.10% | +24 bps | |
| Efficiency Ratio | 85.19% | 83.89% | 88.73% | 77.02% | 66.98% | 67.19% | 70.87% | 64.49% | -1,253 bps | |
| Non-Interest Burden | 1.93% | 1.94% | 2.48% | 2.12% | 1.83% | 1.86% | 2.09% | 1.81% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.57% | 9.81% | 5.11% | 6.57% | 5.79% | 0.26% | -0.29% | -2.09% | -866 bps | |
| Loan Growth (YoY) | 15.12% | 15.74% | 8.37% | 12.67% | 6.88% | 0.15% | -0.39% | -1.83% | -1,450 bps | |
| Deposit Growth (YoY) | 7.33% | 13.25% | 9.22% | 9.23% | 7.85% | 2.70% | 3.45% | -0.35% | -959 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | +36 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.66% | 0.65% | 0.65% | 0.67% | 0.68% | 0.70% | 0.70% | 0.69% | +1 bps | |
| Allowance Coverage of NPLs | 1162.5x | 2400.0x | 2405.0x | n/a | n/a | n/a | n/a | 1.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 10.54% | 10.47% | 10.53% | 10.80% | 11.03% | 11.57% | 11.72% | +119 bps | |
| Total Risk-Based Capital | 13.71% | 13.63% | 13.59% | 13.57% | 14.42% | 15.11% | 15.12% | 15.51% | +193 bps | |
| Equity / Assets | 8.72% | 8.22% | 8.51% | 8.53% | 9.09% | 9.71% | 9.87% | 10.19% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.92% | 85.84% | 87.57% | 87.07% | 85.16% | 83.71% | 84.32% | 85.77% | -129 bps | |
| Liquid Assets / Assets | 1.15% | 1.16% | 0.83% | 1.45% | 2.53% | 1.91% | 1.78% | 1.54% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 427% | 426% | n/a | n/a | |
Louisville, KY · Cert 26703 · Peer group: banks under $1B in assets (n=581-629) · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 7 branches (27 in holding)
Q2 2026
Return on Assets
1.01%
Rank 313 of 629
Net Interest Margin
3.10%
Rank 455 of 629
Efficiency Ratio
64.49%
Rank 255 of 629
Equity / Assets
10.19%
Rank 362 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.60% | 1.01% | 1.45% | Beats 50% | 313 / 629 | ||
| Return on Equity | 9.95% | 5.38% | 9.30% | 13.28% | Beats 53% | 293 / 629 | ||
| Net Interest Margin | 3.10% | 3.03% | 3.54% | 4.05% | Beats 28% | 455 / 629 | ||
| Efficiency Ratio | 64.49% | 58.35% | 67.79% | 79.08% | Beats 60% | 255 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 262 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.81% | 11.24% | 13.84% | 18.77% | Beats 58% | 263 / 629 | ||
| Total Risk-Based Capital Ratio | 15.51% | 11.58% | 14.43% | 19.66% | Beats 58% | 267 / 629 | ||
| Equity / Assets | 10.19% | 9.09% | 10.65% | 13.80% | Beats 42% | 362 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.77% | 67.24% | 80.90% | 93.48% | 60th pctl | 238 / 594 | ||
| Loans / Assets | 75.96% | 53.31% | 67.71% | 78.15% | 69th pctl | 195 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||