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 (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 | 0.54% | 0.68% | 0.30% | 0.78% | 1.36% | 0.83% | 0.78% | 1.26% | +47 bps | |
| Return on Equity | 6.41% | 8.05% | 3.58% | 9.21% | 15.41% | 8.84% | 8.00% | 12.51% | +330 bps | |
| Net Interest Margin | 2.53% | 2.63% | 2.84% | 2.91% | 3.01% | 3.06% | 3.08% | 3.15% | +24 bps | |
| Efficiency Ratio | 79.56% | 80.39% | 88.73% | 65.75% | 47.89% | 67.80% | 70.87% | 58.95% | -681 bps | |
| Non-Interest Burden | 1.94% | 2.06% | 2.48% | 1.79% | 1.26% | 1.96% | 2.09% | 1.56% | -23 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 | -0.11% | -0.01% | -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 | |