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First State Bank of Pineville, The

Pineville, KY · Cert 2710

FDIC · 8 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=111). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q2 2025peer median (50)

Asset Quality

36

Q2 2024Q2 2025peer median (50)

Profitability

23

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

11

Q2 2024Q2 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First State Bank of Pineville, The

Pineville, KY · Cert 2710

FDIC · 8 branches

Q2 2025

$412.3MAssets
$356.6MLoans
$272.9MDeposits
$29.9MEquity
Loan mix
85%RE $240.7M13%C&I $36.2M2%Consumer $5.0MQ2 2024Q2 2025
Deposit mix
72%Interest-bearing $197.7M28%Noninterest $75.2MQ2 2024Q2 2025

NIM

4.87%Q2 ’235.37%Q2 ’245.53%Q2 ’25-9%+7%

Non-interest income vs. expense

3.08%Q2 ’233.01%Q2 ’243.52%Q2 ’25-2%+30%

Market Position · Lexington-Fayette, KY · 2025 SOD (annual) · 0.1% share · #32 of 38 inst. · $0.0B of $16.1B

39.4% Bell
6.3% Whitley
0.2% Fayette
1.3% Laurel

Executive Summary

  • Earnings: ROA of 0.36%, down 36 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.61% of loans (-29 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.57%, down 45 bps from a year ago.
  • Funding: loans stand at 130.67% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.36%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+24 bps YoY

Efficiency Ratio (YTD, annualized)

88.07%+1,173 bps YoY

Tier 1 Leverage Ratio

8.57%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.72%0.75%0.70%0.68%0.36%-36 bps
Return on Equity9.31%9.79%9.17%9.24%4.93%-437 bps
Net Interest Margin3.26%3.28%3.27%3.42%3.51%+24 bps
Efficiency Ratio76.34%75.45%76.96%78.05%88.07%+1,173 bps
Non-Interest Burden2.33%2.31%2.38%2.53%3.03%+70 bps
Growth
Asset Growth (YoY)5.67%2.06%4.60%3.12%-0.70%-637 bps
Loan Growth (YoY)1.76%1.37%3.32%3.05%0.85%-91 bps
Deposit Growth (YoY)7.70%-0.21%2.68%-1.51%-24.09%-3,179 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.96%1.08%0.69%0.61%-29 bps
Net Charge-Offs / Loans0.08%-0.11%-0.16%0.16%-0.01%-8 bps
Allowance / Loans1.13%1.25%1.31%1.28%1.33%+20 bps
Allowance Coverage of NPLs1.3x1.3x1.2x1.8x2.2x+0.9x
Capital
Tier 1 Leverage Ratio9.02%8.71%8.61%8.73%8.57%-45 bps
Total Risk-Based Capital12.05%11.83%11.78%12.01%11.92%-13 bps
Equity / Assets7.52%7.54%7.22%7.54%7.26%-27 bps
Liquidity & Funding
Loans / Deposits98.35%101.99%100.69%101.49%130.67%+3,231 bps
Liquid Assets / Assets4.18%3.95%4.46%3.83%3.62%-56 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First State Bank of Pineville, The

Pineville, KY · Cert 2710 · Peer group: banks under $1B in assets operating regionally (n=111)

FDIC · 8 branches

Q2 2025

$412.3MAssets
$356.6MLoans
$272.9MDeposits
$29.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 44% of banks under $1B in assets operating regionally (rank 62 of 111).
  • Widest gap: return on assets trails 91% of banks under $1B in assets operating regionally (rank 101 of 111).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.36%

Rank 101 of 111

Net Interest Margin

3.51%

Rank 62 of 111

Efficiency Ratio

88.07%

Rank 100 of 111

Equity / Assets

7.26%

Rank 100 of 111

Non-interest income vs. expense

$2.0M$14.1MINCOMEEXPENSE
Unfavorable gap of $12.1M · efficiency ratio beats 11% of banks under $1B in assets operating regionally
Bank 88.07%Peer median 66.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.64%0.98%1.32%Beats 9%101 / 111
Return on Equity5.01%7.10%10.13%13.93%Beats 16%93 / 111
Net Interest Margin3.51%3.21%3.61%4.08%Beats 44%62 / 111
Efficiency Ratio88.07%58.06%66.38%78.56%Beats 11%100 / 111
Asset Quality
Nonperforming Loans / Loans0.61%0.13%0.50%1.04%Beats 41%66 / 111
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 31%78 / 111
Capital
Tier 1 Capital Ratio10.67%10.64%12.44%14.15%Beats 25%83 / 111
Total Risk-Based Capital Ratio11.92%11.13%13.14%15.30%Beats 34%73 / 111
Equity / Assets7.26%8.35%9.67%11.26%Beats 10%100 / 111
Liquidity & Funding
Loans / Deposits130.67%72.21%84.03%92.73%99th pctl1 / 111
Loans / Assets86.49%63.34%70.74%79.65%95th pctl6 / 111
Brokered Deposits / Depositsn/aNot reported for this institution