Pineville, KY · Cert 2710
FDIC · 8 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
23
Asset Quality
36
Profitability
23
Liquidity
0
Efficiency
11
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.
Pineville, KY · Cert 2710
FDIC · 8 branches
Q2 2025
Market Position · Lexington-Fayette, KY · 2025 SOD (annual) · 0.1% share · #32 of 38 inst. · $0.0B of $16.1B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.82% | 0.73% | 0.72% | 0.75% | 0.70% | 0.68% | 0.36% | -36 bps | |
| Return on Equity | 10.56% | 10.79% | 9.30% | 9.31% | 9.79% | 9.17% | 9.24% | 4.93% | -437 bps | |
| Net Interest Margin | 3.55% | 3.51% | 3.19% | 3.26% | 3.28% | 3.27% | 3.42% | 3.51% | +24 bps | |
| Efficiency Ratio | 72.87% | 72.75% | 76.04% | 76.34% | 75.45% | 76.96% | 78.05% | 88.07% | +1,173 bps | |
| Non-Interest Burden | 2.40% | 2.36% | 2.26% | 2.33% | 2.31% | 2.38% | 2.53% | 3.03% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 0.83% | 2.20% | 5.67% | 2.06% | 4.60% | 3.12% | -0.70% | -637 bps | |
| Loan Growth (YoY) | 6.98% | 4.48% | 1.03% | 1.76% | 1.37% | 3.32% | 3.05% | 0.85% | -91 bps | |
| Deposit Growth (YoY) | 6.59% | 2.97% | 6.20% | 7.70% | -0.21% | 2.68% | -1.51% | -24.09% | -3,179 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.52% | 1.64% | 0.90% | 0.96% | 1.08% | 0.69% | 0.61% | -29 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.07% | 0.09% | 0.08% | -0.11% | -0.16% | 0.16% | -0.01% | -8 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.17% | 1.13% | 1.25% | 1.31% | 1.28% | 1.33% | +20 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.8x | 0.7x | 1.3x | 1.3x | 1.2x | 1.8x | 2.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 9.06% | 9.10% | 9.02% | 8.71% | 8.61% | 8.73% | 8.57% | -45 bps | |
| Total Risk-Based Capital | 12.17% | 12.35% | 12.74% | 12.05% | 11.83% | 11.78% | 12.01% | 11.92% | -13 bps | |
| Equity / Assets | 7.38% | 7.79% | 7.86% | 7.52% | 7.54% | 7.22% | 7.54% | 7.26% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.40% | 100.07% | 96.99% | 98.35% | 101.99% | 100.69% | 101.49% | 130.67% | +3,231 bps | |
| Liquid Assets / Assets | 4.06% | 3.20% | 3.52% | 4.18% | 3.95% | 4.46% | 3.83% | 3.62% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Pineville, KY · Cert 2710 · Peer group: banks under $1B in assets operating regionally (n=111)
FDIC · 8 branches
Q2 2025
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.64% | 0.98% | 1.32% | Beats 9% | 101 / 111 | ||
| Return on Equity | 5.01% | 7.10% | 10.13% | 13.93% | Beats 16% | 93 / 111 | ||
| Net Interest Margin | 3.51% | 3.21% | 3.61% | 4.08% | Beats 44% | 62 / 111 | ||
| Efficiency Ratio | 88.07% | 58.06% | 66.38% | 78.56% | Beats 11% | 100 / 111 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.13% | 0.50% | 1.04% | Beats 41% | 66 / 111 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 78 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.67% | 10.64% | 12.44% | 14.15% | Beats 25% | 83 / 111 | ||
| Total Risk-Based Capital Ratio | 11.92% | 11.13% | 13.14% | 15.30% | Beats 34% | 73 / 111 | ||
| Equity / Assets | 7.26% | 8.35% | 9.67% | 11.26% | Beats 10% | 100 / 111 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 130.67% | 72.21% | 84.03% | 92.73% | 99th pctl | 1 / 111 | ||
| Loans / Assets | 86.49% | 63.34% | 70.74% | 79.65% | 95th pctl | 6 / 111 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||