Bank of Hindman
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
$259.7MAssets
$119.2MLoans
$211.4MDeposits
$19.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 71% of banks under $1B in assets in KY (rank 20 of 69).
- Widest gap: net interest margin trails 99% of banks under $1B in assets in KY (rank 68 of 69).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 19% of banks under $1B in assets in KY | 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 |