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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

5.25%Q2 ’245.31%Q2 ’255.23%Q2 ’26+5%+2%

Non-interest income vs. expense

1.88%Q2 ’241.96%Q2 ’252.00%Q2 ’26+7%+1%

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 1.45%, down 1 bps year over year; NIM at 3.51%.
  • 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 (quarter, annualized)

1.45%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+9 bps YoY

Efficiency Ratio (quarter, annualized)

51.40%-58 bps YoY

Tier 1 Leverage Ratio

10.57%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.28%1.14%1.16%1.45%-1 bps
Return on Equity17.87%14.90%12.79%13.09%16.03%-184 bps
Net Interest Margin3.43%3.46%3.52%3.36%3.51%+9 bps
Efficiency Ratio51.98%58.71%60.66%61.43%51.40%-58 bps
Non-Interest Burden1.62%1.85%1.98%1.92%1.63%+1 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-0.02%-0.01%0.00%0.01%0.02%+4 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