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 (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 | 1.42% | 1.65% | 1.28% | 1.39% | 1.46% | 1.66% | 1.32% | 1.49% | +10 bps | |
| Return on Equity | 10.82% | 12.74% | 10.01% | 10.60% | 10.71% | 11.83% | 9.39% | 10.50% | -10 bps | |
| Net Interest Margin | 4.06% | 4.13% | 3.93% | 4.13% | 4.20% | 4.38% | 4.25% | 4.35% | +23 bps | |
| Efficiency Ratio | 58.40% | 53.99% | 60.06% | 58.95% | 58.09% | 54.70% | 62.00% | 58.41% | -54 bps | |
| Non-Interest Burden | 2.17% | 2.02% | 2.19% | 2.25% | 2.25% | 2.19% | 2.47% | 2.36% | +11 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% | 0.01% | 0.01% | 0.00% | 0.01% | -0.02% | 0.03% | 0.03% | +3 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 | |