Middlesboro, KY · Cert 31236 · HFB Financial Corp.
State charter, non-member · FDIC · 8 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
49
Asset Quality
65
Profitability
32
Liquidity
88
Efficiency
23
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.
Middlesboro, KY · Cert 31236 · HFB Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.2% share · #35 of 42 inst. · $0.1B of $26.6B
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 | 0.42% | 0.48% | 0.57% | 0.69% | 0.75% | 0.81% | 0.80% | 0.85% | +16 bps | |
| Return on Equity | 4.89% | 5.60% | 6.74% | 8.14% | 8.83% | 9.37% | 8.73% | 9.40% | +126 bps | |
| Net Interest Margin | 2.83% | 2.84% | 3.13% | 3.23% | 3.25% | 3.24% | 3.56% | 3.58% | +36 bps | |
| Efficiency Ratio | 83.63% | 81.65% | 78.36% | 76.32% | 73.57% | 72.72% | 73.78% | 72.20% | -412 bps | |
| Non-Interest Burden | 2.26% | 2.20% | 2.31% | 2.27% | 2.19% | 2.16% | 2.44% | 2.39% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.91% | 9.26% | 9.20% | 4.44% | 6.62% | 1.73% | 4.14% | 8.20% | +375 bps | |
| Loan Growth (YoY) | 12.25% | 13.49% | 10.87% | 4.66% | 3.66% | 0.70% | 4.00% | 6.36% | +169 bps | |
| Deposit Growth (YoY) | 7.45% | 7.63% | 8.36% | 5.94% | 8.32% | 5.58% | 6.28% | 9.75% | +380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.20% | 0.17% | 0.25% | 0.27% | 0.30% | 0.32% | +15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.10% | 0.01% | 0.01% | 0.01% | 0.02% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 1.22% | 1.12% | 1.15% | 1.19% | 1.20% | 1.22% | 1.21% | 1.24% | +5 bps | |
| Allowance Coverage of NPLs | 5.2x | 4.3x | 5.7x | 7.0x | 4.8x | 4.5x | 4.1x | 3.9x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 9.91% | 9.79% | 9.97% | 9.88% | 9.93% | 10.05% | 10.07% | +10 bps | |
| Total Risk-Based Capital | 14.68% | 14.61% | 14.69% | 15.27% | 15.15% | 15.50% | 15.20% | 15.52% | +25 bps | |
| Equity / Assets | 8.74% | 8.40% | 8.42% | 8.68% | 8.67% | 9.26% | 8.99% | 9.03% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.33% | 89.47% | 87.41% | 86.05% | 84.54% | 85.34% | 85.53% | 83.39% | -266 bps | |
| Liquid Assets / Assets | 0.95% | 0.87% | 2.20% | 2.58% | 4.41% | 1.77% | 1.74% | 3.75% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 258% | 271% | n/a | n/a | |
Middlesboro, KY · Cert 31236 · Peer group: banks under $1B in assets in KY (n=69) · HFB Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.83%
Rank 52 of 69
Net Interest Margin
3.58%
Rank 44 of 69
Efficiency Ratio
72.20%
Rank 54 of 69
Equity / Assets
9.03%
Rank 45 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.83% | 1.18% | 1.44% | Beats 25% | 52 / 69 | ||
| Return on Equity | 9.17% | 7.64% | 11.70% | 15.70% | Beats 35% | 45 / 69 | ||
| Net Interest Margin | 3.58% | 3.45% | 3.75% | 3.96% | Beats 36% | 44 / 69 | ||
| Efficiency Ratio | 72.20% | 55.32% | 62.99% | 70.80% | Beats 23% | 54 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.18% | 0.52% | 1.14% | Beats 61% | 28 / 69 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 68% | 23 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 11.33% | 13.58% | 16.27% | Beats 55% | 31 / 69 | ||
| Total Risk-Based Capital Ratio | 15.52% | 11.55% | 14.43% | 17.27% | Beats 58% | 29 / 69 | ||
| Equity / Assets | 9.03% | 8.31% | 9.91% | 12.53% | Beats 35% | 45 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.39% | 71.40% | 81.07% | 88.03% | 55th pctl | 31 / 69 | ||
| Loans / Assets | 75.04% | 61.10% | 68.66% | 76.68% | 65th pctl | 24 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||