Russell Springs, KY · Cert 2767 · First Bcorp Inc.
National charter · OCC · 1 affiliate bank · 3 branches (7 in holding)
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 | 1.13% | 1.16% | 0.98% | 1.07% | 1.14% | 1.24% | 1.29% | 1.45% | +38 bps | |
| Return on Equity | 12.01% | 12.55% | 11.64% | 12.45% | 13.09% | 14.20% | 14.68% | 16.37% | +392 bps | |
| Net Interest Margin | 3.01% | 2.91% | 2.78% | 3.00% | 3.02% | 3.13% | 3.25% | 3.46% | +46 bps | |
| Efficiency Ratio | 57.52% | 55.52% | 57.16% | 54.28% | 52.50% | 50.34% | 49.63% | 46.68% | -760 bps | |
| Non-Interest Burden | 1.61% | 1.50% | 1.49% | 1.51% | 1.47% | 1.46% | 1.50% | 1.49% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.39% | 18.02% | 23.55% | 16.95% | 20.09% | 14.65% | 8.44% | 13.95% | -300 bps | |
| Loan Growth (YoY) | 8.96% | 6.59% | 5.52% | 11.89% | 17.08% | 20.08% | 26.84% | 21.36% | +947 bps | |
| Deposit Growth (YoY) | 7.74% | 18.67% | 24.70% | 17.17% | 21.21% | 14.44% | 7.87% | 8.53% | -864 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.04% | 0.04% | 0.02% | 0.01% | 0.24% | 0.11% | 0.11% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | -0.06% | -0.02% | -0.01% | -0.01% | 0.02% | 0.01% | +3 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.08% | 1.07% | 1.01% | 1.05% | 0.97% | 0.96% | -11 bps | |
| Allowance Coverage of NPLs | 12.1x | 25.1x | 25.8x | 66.2x | 70.6x | 4.4x | 8.7x | 8.7x | -57.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.26% | 10.69% | 10.08% | 10.33% | 10.31% | 10.18% | 10.08% | 10.52% | +19 bps | |
| Total Risk-Based Capital | 11.26% | 10.69% | 10.08% | 10.33% | 10.31% | 10.18% | 10.08% | 10.52% | +19 bps | |
| Equity / Assets | 9.81% | 8.53% | 8.37% | 8.91% | 8.96% | 8.76% | 8.80% | 9.04% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.95% | 71.57% | 68.22% | 75.78% | 79.15% | 75.11% | 80.22% | 84.74% | +896 bps | |
| Liquid Assets / Assets | 6.05% | 15.05% | 15.78% | 9.85% | 7.77% | 10.68% | 6.91% | 5.51% | -434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 411% | 436% | n/a | n/a | |