Hodgenville, KY · Cert 2750 · Hambac Inc.
National charter · OCC · 5 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
80
Asset Quality
48
Profitability
69
Liquidity
37
Efficiency
72
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.
Hodgenville, KY · Cert 2750 · Hambac Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.4% share · #23 of 43 inst. · $0.2B 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 | 1.37% | 1.44% | 1.28% | 1.34% | 1.38% | 1.45% | 1.32% | 1.41% | +7 bps | |
| Return on Equity | 10.75% | 11.30% | 10.01% | 10.31% | 10.43% | 10.81% | 9.39% | 9.94% | -37 bps | |
| Net Interest Margin | 3.92% | 3.88% | 3.93% | 4.02% | 4.10% | 4.14% | 4.25% | 4.27% | +24 bps | |
| Efficiency Ratio | 58.72% | 57.48% | 60.06% | 59.49% | 59.01% | 57.88% | 62.00% | 60.17% | +68 bps | |
| Non-Interest Burden | 2.11% | 2.04% | 2.19% | 2.21% | 2.23% | 2.21% | 2.47% | 2.40% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | 7.38% | 5.46% | 5.66% | 4.74% | -1.17% | 0.73% | 2.56% | -309 bps | |
| Loan Growth (YoY) | 11.38% | 7.57% | 5.92% | 4.60% | 4.12% | 3.67% | 4.42% | 4.32% | -29 bps | |
| Deposit Growth (YoY) | -1.29% | 6.47% | 3.34% | 3.63% | 5.10% | -2.06% | -0.14% | 1.70% | -193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.33% | 0.52% | 0.49% | 0.50% | 0.42% | 0.42% | 0.43% | -6 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | 0.03% | 0.03% | +2 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.24% | 1.24% | 1.23% | 1.25% | 1.24% | 1.23% | -1 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.8x | 2.4x | 2.5x | 2.5x | 2.9x | 2.9x | 2.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.93% | 13.76% | 13.85% | 14.11% | 14.50% | 14.54% | 14.80% | 14.89% | +78 bps | |
| Total Risk-Based Capital | 22.90% | 22.64% | 22.94% | 23.37% | 23.71% | 24.17% | 24.36% | 24.56% | +118 bps | |
| Equity / Assets | 13.34% | 12.65% | 12.84% | 13.41% | 13.85% | 14.20% | 13.96% | 14.45% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.64% | 89.86% | 89.35% | 92.57% | 93.76% | 95.12% | 93.43% | 94.95% | +238 bps | |
| Liquid Assets / Assets | 1.54% | 1.72% | 1.79% | 1.93% | 1.55% | 1.20% | 1.48% | 1.54% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 86.58% | 83.83% | 80.55% | n/a | n/a | |
Hodgenville, KY · Cert 2750 · Peer group: banks under $1B in assets (n=581-629) · Hambac Inc.
National charter · OCC · 5 branches
Q2 2026
Return on Assets
1.40%
Rank 170 of 629
Net Interest Margin
4.27%
Rank 104 of 629
Efficiency Ratio
60.17%
Rank 180 of 629
Equity / Assets
14.45%
Rank 148 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.60% | 1.01% | 1.45% | Beats 73% | 170 / 629 | n/a | |
| Return on Equity | 9.69% | 5.38% | 9.30% | 13.28% | Beats 52% | 302 / 629 | n/a | |
| Net Interest Margin | 4.27% | 3.03% | 3.54% | 4.05% | Beats 83% | 104 / 629 | n/a | |
| Efficiency Ratio | 60.17% | 58.35% | 67.79% | 79.08% | Beats 72% | 180 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.46% | 1.20% | Beats 52% | 280 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 335 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.30% | 11.24% | 13.84% | 18.77% | Beats 82% | 112 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 24.56% | 11.58% | 14.43% | 19.66% | Beats 82% | 112 / 629 | n/a | |
| Equity / Assets | 14.45% | 9.09% | 10.65% | 13.80% | Beats 76% | 148 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.95% | 67.24% | 80.90% | 93.48% | 78th pctl | 130 / 594 | n/a | |
| Loans / Assets | 78.95% | 53.31% | 67.71% | 78.15% | 78th pctl | 139 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||