Lebanon, KY · Cert 2754 · Lebanon Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
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 | 1.00% | 0.77% | 0.96% | 1.10% | 1.33% | 0.84% | 0.99% | 1.17% | +7 bps | |
| Return on Equity | 10.44% | 7.98% | 10.06% | 11.41% | 13.20% | 8.12% | 9.80% | 11.78% | +37 bps | |
| Net Interest Margin | 3.59% | 3.40% | 3.40% | 3.52% | 3.61% | 3.65% | 3.61% | 3.53% | +1 bps | |
| Efficiency Ratio | 67.91% | 73.93% | 68.68% | 64.66% | 61.99% | 70.92% | 64.48% | 61.58% | -308 bps | |
| Non-Interest Burden | 2.25% | 2.36% | 2.17% | 2.09% | 2.05% | 2.43% | 2.16% | 2.01% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.22% | 7.36% | 6.80% | 10.03% | 5.86% | 10.96% | 15.64% | 15.33% | +530 bps | |
| Loan Growth (YoY) | 12.59% | 12.46% | 10.23% | 5.53% | 11.69% | 22.77% | 28.81% | 35.07% | +2,953 bps | |
| Deposit Growth (YoY) | 5.91% | 6.66% | 5.62% | 9.58% | 5.21% | 8.69% | 15.39% | 14.89% | +531 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.01% | 0.05% | 0.04% | 0.02% | -0.05% | 0.00% | -5 bps | |
| Allowance / Loans | 1.22% | 1.18% | 1.16% | 1.15% | 1.08% | 0.94% | 0.95% | 0.91% | -24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 24.4x | n/a | 176.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.53% | 11.23% | 11.23% | 11.20% | 11.55% | 11.67% | 11.29% | 10.72% | -48 bps | |
| Total Risk-Based Capital | 11.53% | 11.23% | 11.23% | 11.20% | 11.55% | 11.67% | 11.29% | 10.72% | -48 bps | |
| Equity / Assets | 9.78% | 9.55% | 9.63% | 9.72% | 10.39% | 10.37% | 9.84% | 10.05% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.93% | 70.27% | 68.28% | 67.66% | 71.05% | 79.38% | 76.22% | 79.54% | +1,188 bps | |
| Liquid Assets / Assets | 1.97% | 2.23% | 3.60% | 3.64% | 3.60% | 1.47% | 1.41% | 1.41% | -224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 281% | 268% | n/a | n/a | |