Hindman, KY · Cert 289 · Community Exc Bancshares Inc.
State charter, non-member · FDIC · 2 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
52
Asset Quality
25
Profitability
8
Liquidity
0
Efficiency
19
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.
Hindman, KY · Cert 289 · Community Exc Bancshares Inc.
State charter, non-member · FDIC · 2 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 | 0.14% | 0.19% | 0.24% | 0.27% | 0.33% | 0.35% | 0.43% | 0.48% | +21 bps | |
| Return on Equity | 2.34% | 3.19% | 4.09% | 4.34% | 5.20% | 5.31% | 6.00% | 6.56% | +222 bps | |
| Net Interest Margin | 1.42% | 1.41% | 1.48% | 1.54% | 1.60% | 1.61% | 1.83% | 1.90% | +36 bps | |
| Efficiency Ratio | 87.92% | 88.31% | 85.85% | 85.03% | 81.77% | 80.73% | 75.02% | 73.40% | -1,163 bps | |
| Non-Interest Burden | 1.26% | 1.25% | 1.23% | 1.26% | 1.25% | 1.24% | 1.31% | 1.32% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | -1.12% | 0.96% | -0.17% | -1.48% | 3.65% | 1.30% | -1.13% | -97 bps | |
| Loan Growth (YoY) | 4.40% | 2.08% | 4.89% | 5.31% | 3.76% | 4.21% | -1.12% | -2.76% | -808 bps | |
| Deposit Growth (YoY) | 0.42% | -1.00% | 1.02% | -0.78% | -1.79% | 3.31% | 1.24% | -0.78% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.14% | 1.75% | 2.19% | 1.98% | 1.71% | 0.75% | 1.80% | 0.91% | -107 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.02% | 0.02% | 0.01% | 0.31% | 0.14% | +13 bps | |
| Allowance / Loans | 1.27% | 1.24% | 1.21% | 1.20% | 1.20% | 1.18% | 1.13% | 1.22% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.7x | 0.6x | 0.6x | 0.7x | 1.6x | 0.6x | 1.3x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 9.15% | 9.13% | 9.11% | 9.29% | 9.10% | 9.08% | 9.19% | +9 bps | |
| Total Risk-Based Capital | 15.98% | 16.00% | 16.17% | 16.11% | 16.51% | 16.19% | 16.56% | 16.93% | +82 bps | |
| Equity / Assets | 6.88% | 5.79% | 6.16% | 6.46% | 7.30% | 7.33% | 7.09% | 7.51% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.37% | 56.72% | 57.25% | 57.55% | 59.56% | 57.22% | 55.92% | 56.40% | -115 bps | |
| Liquid Assets / Assets | 8.03% | 8.66% | 10.32% | 8.65% | 7.68% | 10.24% | 11.55% | 9.12% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 241% | 238% | n/a | n/a | |
Hindman, KY · Cert 289 · Peer group: banks under $1B in assets in KY (n=69) · Community Exc Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.49%
Rank 64 of 69
Net Interest Margin
1.90%
Rank 68 of 69
Efficiency Ratio
73.40%
Rank 57 of 69
Equity / Assets
7.51%
Rank 60 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.83% | 1.18% | 1.44% | Beats 7% | 64 / 69 | ||
| Return on Equity | 6.52% | 7.64% | 11.70% | 15.70% | Beats 16% | 58 / 69 | ||
| Net Interest Margin | 1.90% | 3.45% | 3.75% | 3.96% | Beats 1% | 68 / 69 | ||
| Efficiency Ratio | 73.40% | 55.32% | 62.99% | 70.80% | Beats 19% | 57 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.18% | 0.52% | 1.14% | Beats 35% | 46 / 69 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.02% | 0.06% | Beats 14% | 60 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.95% | 11.33% | 13.58% | 16.27% | Beats 71% | 20 / 69 | ||
| Total Risk-Based Capital Ratio | 16.93% | 11.55% | 14.43% | 17.27% | Beats 71% | 20 / 69 | ||
| Equity / Assets | 7.51% | 8.31% | 9.91% | 12.53% | Beats 13% | 60 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.40% | 71.40% | 81.07% | 88.03% | 9th pctl | 63 / 69 | ||
| Loans / Assets | 45.90% | 61.10% | 68.66% | 76.68% | 12th pctl | 61 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||