PackageTrendsPeer
Letter portraitLegal landscape

Bank of Edmonson County

Brownsville, KY · Cert 296 · Edmonson Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Edmonson County

Brownsville, KY · Cert 296 · Edmonson Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$283.4MAssets
$204.7MLoans
$242.7MDeposits
$26.2MEquity
Loan mix
94%RE $190.4M2%C&I $4.1M4%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $158.5M35%Noninterest $84.2MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.23%Q2 ’255.22%Q2 ’26+4%+4%

Non-interest income vs. expense

1.94%Q2 ’242.02%Q2 ’252.16%Q2 ’26+4%+7%

Market Position · Bowling Green, KY · 2026 SOD (annual) · 5.0% share · #9 of 22 inst. · $0.2B of $4.8B

76.0% Edmonson
1.9% Warren

Executive Summary

  • Earnings: ROA of 1.31%, down 2 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 1.66% of loans (+106 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.57%, up 26 bps from a year ago.
  • Funding: loans stand at 84.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+13 bps YoY

Efficiency Ratio (YTD, annualized)

56.35%+155 bps YoY

Tier 1 Leverage Ratio

10.57%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.32%1.28%1.16%1.31%-2 bps
Return on Equity16.78%16.13%15.34%13.09%14.54%-224 bps
Net Interest Margin3.33%3.40%3.41%3.36%3.46%+13 bps
Efficiency Ratio54.80%56.14%57.31%61.43%56.35%+155 bps
Non-Interest Burden1.67%1.74%1.79%1.92%1.79%+12 bps
Growth
Asset Growth (YoY)1.69%0.32%0.93%1.49%-0.14%-182 bps
Loan Growth (YoY)1.52%1.37%2.32%3.65%4.36%+284 bps
Deposit Growth (YoY)3.65%2.65%-0.73%1.44%-2.37%-602 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.80%0.50%0.71%1.66%+106 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.02%+3 bps
Allowance / Loans0.98%0.97%1.01%0.99%1.00%+3 bps
Allowance Coverage of NPLs1.6x1.2x2.0x1.4x0.6x-1.0x
Capital
Tier 1 Leverage Ratio10.32%10.47%10.29%10.25%10.57%+26 bps
Total Risk-Based Capital17.54%17.60%17.68%17.81%17.96%+42 bps
Equity / Assets8.44%8.80%8.97%8.81%9.24%+79 bps
Liquidity & Funding
Loans / Deposits78.91%79.63%82.99%80.91%84.34%+544 bps
Liquid Assets / Assets0.75%0.75%0.77%0.72%0.65%-10 bps
CRE / Total Capitaln/a193.37%193.45%191.83%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Edmonson County

Brownsville, KY · Cert 296 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Edmonson Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$283.4MAssets
$204.7MLoans
$242.7MDeposits
$26.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 79% of banks under $1B in assets operating in a single state (rank 159 of 746).
  • Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets operating in a single state (rank 628 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.32%

Rank 241 of 746

Net Interest Margin

3.46%

Rank 466 of 746

Efficiency Ratio

56.35%

Rank 203 of 746

Equity / Assets

9.24%

Rank 526 of 746

Non-interest income vs. expense

$1.1M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state
Bank 56.35%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.72%1.06%1.45%Beats 68%241 / 746
Return on Equity14.26%6.74%10.51%13.63%Beats 79%159 / 746
Net Interest Margin3.46%3.17%3.68%4.16%Beats 38%466 / 746
Efficiency Ratio56.35%55.74%64.58%75.47%Beats 73%203 / 746
Asset Quality
Nonperforming Loans / Loans1.66%0.09%0.42%1.07%Beats 16%628 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 46%400 / 743
Capital
Tier 1 Capital Ratio16.81%11.55%13.75%17.60%Beats 71%214 / 746
Total Risk-Based Capital Ratio17.96%11.71%14.33%18.43%Beats 73%201 / 746
Equity / Assets9.24%8.90%10.51%13.06%Beats 29%526 / 746
Liquidity & Funding
Loans / Deposits84.34%61.31%78.27%90.78%64th pctl270 / 746
Loans / Assets72.24%53.60%66.97%76.08%64th pctl272 / 746
Brokered Deposits / Depositsn/aNot reported for this institution