Somerset, KY · Cert 2738 · Pine Knob Holdings LLC
National charter · OCC · 11 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 in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
41
Profitability
68
Liquidity
88
Efficiency
70
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.
Somerset, KY · Cert 2738 · Pine Knob Holdings LLC
National charter · OCC · 1 affiliate bank · 11 branches (30 in holding)
Q2 2026
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 | 0.98% | 1.03% | 1.18% | 1.31% | 1.34% | 1.36% | 1.47% | 1.50% | +19 bps | |
| Return on Equity | 9.41% | 9.89% | 10.92% | 11.96% | 12.06% | 12.23% | 13.09% | 13.44% | +148 bps | |
| Net Interest Margin | 3.45% | 3.57% | 3.67% | 3.76% | 3.78% | 3.82% | 3.97% | 3.94% | +19 bps | |
| Efficiency Ratio | 59.85% | 59.16% | 56.50% | 54.34% | 53.90% | 54.11% | 51.80% | 50.78% | -356 bps | |
| Non-Interest Burden | 2.13% | 2.18% | 2.15% | 2.10% | 2.09% | 2.12% | 2.08% | 2.02% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | -0.62% | -0.54% | -0.67% | 0.39% | 4.49% | 3.29% | 9.10% | +977 bps | |
| Loan Growth (YoY) | 7.38% | 6.52% | 4.35% | 1.43% | 2.27% | 2.08% | 2.62% | 5.97% | +454 bps | |
| Deposit Growth (YoY) | -0.24% | -1.53% | -3.71% | -3.65% | 0.01% | 4.86% | 5.58% | 13.42% | +1,707 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.23% | 0.17% | 0.27% | 0.93% | 0.97% | 0.81% | 0.77% | +51 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.01% | 0.00% | 0.00% | 0.01% | -0.07% | 0.07% | 0.05% | +4 bps | |
| Allowance / Loans | 1.51% | 1.54% | 1.56% | 1.57% | 1.54% | 1.59% | 1.58% | 1.54% | -3 bps | |
| Allowance Coverage of NPLs | 7.6x | 6.7x | 9.2x | 5.9x | 1.6x | 1.6x | 1.9x | 2.0x | -3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.30% | 11.38% | 11.14% | 11.43% | 11.75% | 11.47% | 11.52% | 11.51% | +7 bps | |
| Total Risk-Based Capital | 15.37% | 15.07% | 15.22% | 15.68% | 16.14% | 15.73% | 15.98% | 15.86% | +18 bps | |
| Equity / Assets | 10.84% | 10.79% | 10.79% | 11.21% | 11.62% | 11.29% | 11.25% | 10.97% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.57% | 85.66% | 83.59% | 84.03% | 84.43% | 83.39% | 81.25% | 78.51% | -552 bps | |
| Liquid Assets / Assets | 2.77% | 0.53% | 2.46% | 1.99% | 2.07% | 2.43% | 2.45% | 3.66% | +167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.24% | 180.28% | 174.20% | n/a | n/a | |
Somerset, KY · Cert 2738 · Peer group: banks under $1B in assets in KY (n=69) · Pine Knob Holdings LLC
National charter · OCC · 1 affiliate bank · 11 branches (30 in holding)
Q2 2026
Return on Assets
1.45%
Rank 17 of 69
Net Interest Margin
3.94%
Rank 20 of 69
Efficiency Ratio
56.40%
Rank 22 of 69
Equity / Assets
10.97%
Rank 28 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.83% | 1.18% | 1.44% | Beats 75% | 17 / 69 | ||
| Return on Equity | 13.21% | 7.64% | 11.70% | 15.70% | Beats 59% | 28 / 69 | ||
| Net Interest Margin | 3.94% | 3.45% | 3.75% | 3.96% | Beats 71% | 20 / 69 | ||
| Efficiency Ratio | 56.40% | 55.32% | 62.99% | 70.80% | Beats 70% | 22 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.18% | 0.52% | 1.14% | Beats 38% | 44 / 69 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.06% | Beats 43% | 40 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.61% | 11.33% | 13.58% | 16.27% | Beats 59% | 28 / 69 | ||
| Total Risk-Based Capital Ratio | 15.86% | 11.55% | 14.43% | 17.27% | Beats 67% | 23 / 69 | ||
| Equity / Assets | 10.97% | 8.31% | 9.91% | 12.53% | Beats 59% | 28 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.51% | 71.40% | 81.07% | 88.03% | 42nd pctl | 40 / 69 | ||
| Loans / Assets | 69.33% | 61.10% | 68.66% | 76.68% | 51st pctl | 34 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||