Mayfield, KY · Cert 2759 · Jackson Financial Corp.
State charter, non-member · FDIC · 10 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
32
Asset Quality
52
Profitability
50
Liquidity
63
Efficiency
54
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.
Mayfield, KY · Cert 2759 · Jackson Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 2.6% share · #12 of 19 inst. · $0.2B of $6.2B
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 | 0.84% | 0.83% | 1.05% | 1.04% | 1.01% | 0.97% | 1.31% | 1.23% | +20 bps | |
| Return on Equity | 11.87% | 11.75% | 14.42% | 14.00% | 13.29% | 12.67% | 16.63% | 15.74% | +175 bps | |
| Net Interest Margin | 2.98% | 2.97% | 3.14% | 3.14% | 3.17% | 3.18% | 3.31% | 3.29% | +16 bps | |
| Efficiency Ratio | 66.65% | 66.61% | 60.62% | 60.73% | 61.15% | 62.03% | 55.21% | 56.70% | -404 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.74% | 1.76% | 1.80% | 1.85% | 1.54% | 1.66% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 2.25% | 4.53% | 7.73% | 7.68% | 8.76% | 8.10% | 6.72% | -101 bps | |
| Loan Growth (YoY) | 5.72% | 2.49% | 1.10% | 2.74% | 4.74% | 5.92% | 5.27% | 5.52% | +277 bps | |
| Deposit Growth (YoY) | 1.69% | 2.03% | 3.81% | 9.02% | 10.50% | 7.90% | 7.82% | 6.67% | -235 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.13% | 0.16% | 0.18% | 0.16% | 0.16% | 0.67% | 0.68% | +49 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.02% | +3 bps | |
| Allowance / Loans | 1.70% | 1.69% | 1.71% | 1.69% | 1.71% | 1.72% | 1.75% | 1.72% | +3 bps | |
| Allowance Coverage of NPLs | 7.2x | 13.0x | 10.8x | 9.3x | 10.5x | 10.6x | 2.6x | 2.5x | -6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 8.31% | 8.54% | 8.53% | 8.67% | 8.60% | 8.61% | 8.48% | -5 bps | |
| Total Risk-Based Capital | 12.27% | 12.38% | 12.95% | 13.12% | 13.17% | 13.15% | 13.52% | 13.43% | +31 bps | |
| Equity / Assets | 7.56% | 7.15% | 7.47% | 7.60% | 8.04% | 7.95% | 7.76% | 7.77% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.26% | 75.82% | 73.68% | 74.03% | 75.13% | 74.43% | 71.94% | 73.23% | -80 bps | |
| Liquid Assets / Assets | 1.85% | 3.07% | 7.03% | 7.14% | 5.99% | 7.53% | 9.89% | 7.25% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 272% | 270% | n/a | n/a | |
Mayfield, KY · Cert 2759 · Peer group: banks under $1B in assets in KY (n=69) · Jackson Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.22%
Rank 32 of 69
Net Interest Margin
3.29%
Rank 54 of 69
Efficiency Ratio
59.78%
Rank 33 of 69
Equity / Assets
7.77%
Rank 55 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.83% | 1.18% | 1.44% | Beats 54% | 32 / 69 | ||
| Return on Equity | 15.70% | 7.64% | 11.70% | 15.70% | Beats 74% | 18 / 69 | ||
| Net Interest Margin | 3.29% | 3.45% | 3.75% | 3.96% | Beats 22% | 54 / 69 | ||
| Efficiency Ratio | 59.78% | 55.32% | 62.99% | 70.80% | Beats 54% | 33 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.18% | 0.52% | 1.14% | Beats 41% | 42 / 69 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 62% | 27 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.17% | 11.33% | 13.58% | 16.27% | Beats 33% | 46 / 69 | ||
| Total Risk-Based Capital Ratio | 13.43% | 11.55% | 14.43% | 17.27% | Beats 42% | 40 / 69 | ||
| Equity / Assets | 7.77% | 8.31% | 9.91% | 12.53% | Beats 20% | 55 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.23% | 71.40% | 81.07% | 88.03% | 28th pctl | 50 / 69 | ||
| Loans / Assets | 67.18% | 61.10% | 68.66% | 76.68% | 41st pctl | 41 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||