Princeton, KY · Cert 2765 · United Bcorp of Princeton Inc.
State charter, non-member · FDIC · 3 branches
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 | 0.80% | 0.87% | 0.94% | 1.08% | 1.13% | 1.15% | 1.17% | 1.28% | +20 bps | |
| Return on Equity | 11.83% | 12.97% | 14.73% | 16.61% | 16.89% | 16.93% | 16.15% | 17.45% | +84 bps | |
| Net Interest Margin | 3.07% | 3.02% | 3.21% | 3.32% | 3.37% | 3.38% | 3.60% | 3.66% | +34 bps | |
| Efficiency Ratio | 71.74% | 70.12% | 66.30% | 63.44% | 62.47% | 62.36% | 60.81% | 58.31% | -513 bps | |
| Non-Interest Burden | 1.98% | 1.89% | 1.86% | 1.83% | 1.82% | 1.84% | 1.94% | 1.87% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 6.02% | 12.48% | 9.27% | 12.02% | 10.31% | 5.65% | 11.35% | +208 bps | |
| Loan Growth (YoY) | 13.04% | 19.56% | 22.94% | 20.86% | 22.00% | 15.09% | 11.04% | 12.76% | -811 bps | |
| Deposit Growth (YoY) | 2.26% | 1.26% | 11.26% | 8.68% | 11.13% | 10.14% | 5.10% | 5.82% | -286 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.07% | 0.07% | 0.13% | 0.11% | 0.05% | 0.02% | 0.04% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.32% | 1.20% | 1.21% | 1.23% | 1.20% | 1.19% | 1.25% | 1.26% | +3 bps | |
| Allowance Coverage of NPLs | 70.2x | 17.5x | 16.9x | 9.3x | 11.1x | 24.7x | 51.7x | 29.4x | +20.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.12% | 9.49% | 9.35% | 9.39% | 9.50% | 9.27% | 9.31% | 9.46% | +7 bps | |
| Total Risk-Based Capital | 10.12% | 9.49% | 9.35% | 9.39% | 9.50% | 9.27% | 9.31% | 9.46% | +7 bps | |
| Equity / Assets | 7.51% | 6.33% | 6.47% | 6.69% | 7.20% | 7.15% | 7.30% | 7.60% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.20% | 81.97% | 78.10% | 82.20% | 85.84% | 85.65% | 82.52% | 87.59% | +539 bps | |
| Liquid Assets / Assets | 1.16% | 1.26% | 4.74% | 0.98% | 0.91% | 0.77% | 3.13% | 1.47% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 396% | 408% | 377% | n/a | n/a | |