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Hyden Citizens Bank, Inc.

Hyden, KY · Cert 281 · Middlefork Financial Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 4 branches (7 in holding)

Q2 2026

$148.6MAssets
$82.0MLoans
$134.8MDeposits
$9.9MEquity
Loan mix
87%RE $67.4M7%C&I $5.6M6%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $99.2M26%Noninterest $35.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.23%, up 49 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.54% of loans (+27 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.18%, up 33 bps from a year ago.
  • Funding: loans stand at 60.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+36 bps YoY

Efficiency Ratio (YTD, annualized)

66.50%-1,089 bps YoY

Tier 1 Leverage Ratio

9.18%+33 bps YoY

NIM

4.55%Q2 ’244.71%Q2 ’254.90%Q2 ’26+16%+11%

Non-interest income vs. expense

2.95%Q2 ’243.11%Q2 ’253.12%Q2 ’26+0%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.54%0.60%0.74%0.75%0.82%0.80%1.23%+49 bps
Return on Equity8.43%11.05%11.47%13.78%13.36%14.16%12.16%18.63%+485 bps
Net Interest Margin3.00%3.05%3.38%3.42%3.54%3.57%3.83%3.78%+36 bps
Efficiency Ratio85.74%81.56%80.94%77.39%76.71%74.51%73.60%66.50%-1,089 bps
Non-Interest Burden2.50%2.40%2.65%2.51%2.58%2.52%2.71%2.21%-30 bps
Growth
Asset Growth (YoY)3.94%-0.18%-0.52%0.71%-1.69%0.92%-0.17%3.33%+262 bps
Loan Growth (YoY)11.67%5.41%5.51%1.76%-2.38%-0.88%-0.97%2.08%+32 bps
Deposit Growth (YoY)4.00%3.22%1.29%1.91%-4.03%-4.51%-2.54%1.89%-2 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.34%0.25%0.28%0.35%0.35%0.33%0.54%+27 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.02%0.04%0.02%0.03%+2 bps
Allowance / Loans0.97%0.97%0.96%1.00%0.98%0.96%0.95%0.96%-4 bps
Allowance Coverage of NPLs2.6x2.8x3.9x3.6x2.8x2.7x2.9x1.8x-1.9x
Capital
Tier 1 Leverage Ratio8.62%8.75%8.76%8.84%8.91%9.08%9.07%9.18%+33 bps
Total Risk-Based Capital12.19%12.70%12.46%13.17%13.35%13.29%13.36%14.35%+118 bps
Equity / Assets5.47%5.06%5.42%5.74%6.18%6.65%6.49%6.67%+93 bps
Liquidity & Funding
Loans / Deposits61.51%62.24%63.87%60.69%62.57%64.60%64.90%60.80%+11 bps
Liquid Assets / Assets3.61%0.24%0.22%0.22%0.22%0.21%0.20%0.20%-2 bps
CRE / Total Capitaln/an/an/an/a240%257%244%n/an/a