Brownsville, KY · Cert 296 · Edmonson Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Bowling Green, KY · 2026 SOD (annual) · 5.0% share · #9 of 22 inst. · $0.2B of $4.8B
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 | 1.07% | 1.08% | 1.20% | 1.33% | 1.32% | 1.28% | 1.16% | 1.31% | -2 bps | |
| Return on Equity | 14.63% | 14.71% | 15.61% | 16.78% | 16.13% | 15.34% | 13.09% | 14.54% | -224 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.28% | 3.33% | 3.40% | 3.41% | 3.36% | 3.46% | +13 bps | |
| Efficiency Ratio | 55.03% | 55.71% | 57.76% | 54.80% | 56.14% | 57.31% | 61.43% | 56.35% | +155 bps | |
| Non-Interest Burden | 1.62% | 1.65% | 1.74% | 1.67% | 1.74% | 1.79% | 1.92% | 1.79% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 3.25% | 2.31% | 1.69% | 0.32% | 0.93% | 1.49% | -0.14% | -182 bps | |
| Loan Growth (YoY) | 6.56% | 5.12% | 2.06% | 1.52% | 1.37% | 2.32% | 3.65% | 4.36% | +284 bps | |
| Deposit Growth (YoY) | 0.44% | 2.73% | 3.12% | 3.65% | 2.65% | -0.73% | 1.44% | -2.37% | -602 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 1.49% | 1.40% | 0.60% | 0.80% | 0.50% | 0.71% | 1.66% | +106 bps | |
| Net Charge-Offs / Loans | 0.43% | 0.32% | -0.01% | -0.01% | -0.01% | -0.01% | 0.01% | 0.02% | +3 bps | |
| Allowance / Loans | 0.90% | 0.98% | 1.00% | 0.98% | 0.97% | 1.01% | 0.99% | 1.00% | +3 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.7x | 0.7x | 1.6x | 1.2x | 2.0x | 1.4x | 0.6x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.09% | 10.23% | 10.32% | 10.47% | 10.29% | 10.25% | 10.57% | +26 bps | |
| Total Risk-Based Capital | 16.56% | 16.58% | 16.80% | 17.54% | 17.60% | 17.68% | 17.81% | 17.96% | +42 bps | |
| Equity / Assets | 8.00% | 7.47% | 7.91% | 8.44% | 8.80% | 8.97% | 8.81% | 9.24% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.64% | 80.52% | 79.19% | 78.91% | 79.63% | 82.99% | 80.91% | 84.34% | +544 bps | |
| Liquid Assets / Assets | 1.06% | 1.13% | 1.08% | 0.75% | 0.75% | 0.77% | 0.72% | 0.65% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 193.37% | 193.45% | 191.83% | n/a | n/a | |