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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.65% | 0.57% | 0.81% | 0.88% | 0.98% | 0.80% | 0.91% | +10 bps | |
| Return on Equity | 5.72% | 7.59% | 6.74% | 9.52% | 10.20% | 10.92% | 8.73% | 10.09% | +57 bps | |
| Net Interest Margin | 2.92% | 3.10% | 3.13% | 3.32% | 3.41% | 3.40% | 3.56% | 3.67% | +35 bps | |
| Efficiency Ratio | 81.13% | 76.34% | 78.36% | 74.50% | 68.27% | 70.26% | 73.78% | 70.69% | -381 bps | |
| Non-Interest Burden | 2.25% | 2.20% | 2.31% | 2.24% | 2.10% | 2.19% | 2.44% | 2.38% | +14 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 | 0.02% | 0.37% | 0.01% | 0.01% | 0.01% | 0.03% | -0.01% | -0.01% | -3 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 | |