Ludlow, KY · Cert 31723
State savings bank · OCC · 1 branch
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 the Cincinnati, OH-KY-IN area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
54
Profitability
4
Liquidity
85
Efficiency
7
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.
Ludlow, KY · Cert 31723
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #48 of 54 inst. · $0.0B of $187.5B
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 | -0.09% | -0.19% | -0.53% | -1.01% | -1.04% | -1.05% | -1.13% | -1.29% | -28 bps | |
| Return on Equity | -0.70% | -1.53% | -4.42% | -8.46% | -8.73% | -8.91% | -9.98% | -11.39% | -293 bps | |
| Net Interest Margin | 2.85% | 2.78% | 2.64% | 2.66% | 2.63% | 2.76% | 2.39% | 2.58% | -8 bps | |
| Efficiency Ratio | 102.63% | 106.28% | 119.27% | 136.46% | 137.86% | 137.95% | 146.01% | 147.56% | +1,111 bps | |
| Non-Interest Burden | 2.90% | 2.93% | 3.15% | 3.64% | 3.63% | 3.81% | 3.51% | 3.83% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | -2.41% | 1.00% | 0.88% | -1.92% | -3.91% | -2.83% | -7.36% | -823 bps | |
| Loan Growth (YoY) | 22.40% | 9.35% | 6.59% | 3.54% | -3.05% | -4.57% | -11.13% | -9.52% | -1,306 bps | |
| Deposit Growth (YoY) | 10.56% | -3.65% | -1.35% | 4.38% | 3.04% | 4.29% | 5.87% | 5.77% | +139 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.83% | 3.31% | 4.52% | 6.67% | 6.63% | 7.39% | 7.46% | +294 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.68% | 0.67% | 0.68% | 0.72% | 0.73% | 0.78% | 0.79% | +11 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.2x | 0.2x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.40% | 11.28% | 11.00% | 10.73% | 10.62% | 10.70% | 10.51% | 10.19% | -55 bps | |
| Total Risk-Based Capital | 11.40% | 11.28% | 11.00% | 10.73% | 10.62% | 10.70% | 10.51% | 10.19% | -55 bps | |
| Equity / Assets | 12.50% | 12.13% | 11.90% | 11.62% | 11.86% | 11.55% | 11.08% | 11.33% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.84% | 121.08% | 119.86% | 117.30% | 112.76% | 110.79% | 100.61% | 100.35% | -1,695 bps | |
| Liquid Assets / Assets | 15.04% | 15.87% | 16.21% | 16.33% | 16.10% | 16.46% | 22.88% | 17.60% | +128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 165.49% | 159.98% | 161.58% | n/a | n/a | |
Ludlow, KY · Cert 31723 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
-1.33%
Rank 15 of 15
Net Interest Margin
2.58%
Rank 13 of 15
Efficiency Ratio
147.56%
Rank 15 of 15
Equity / Assets
11.33%
Rank 8 of 15
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.33% | 0.35% | 0.56% | 1.05% | Beats 0% | 15 / 15 | ||
| Return on Equity | -11.73% | 1.73% | 4.99% | 6.76% | Beats 0% | 15 / 15 | ||
| Net Interest Margin | 2.58% | 2.85% | 3.21% | 3.42% | Beats 13% | 13 / 15 | ||
| Efficiency Ratio | 147.56% | 64.82% | 75.45% | 88.43% | Beats 7% | 15 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.46% | 0.12% | 0.43% | 1.30% | Beats 7% | 15 / 15 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.19% | 13.11% | 14.76% | 20.06% | Beats 0% | 15 / 15 | ||
| Total Risk-Based Capital Ratio | 10.19% | 14.37% | 15.36% | 20.06% | Beats 0% | 15 / 15 | ||
| Equity / Assets | 11.33% | 10.14% | 11.33% | 20.42% | Beats 47% | 8 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.35% | 80.04% | 97.18% | 103.56% | 67th pctl | 5 / 15 | ||
| Loans / Assets | 78.21% | 68.16% | 75.18% | 82.63% | 67th pctl | 5 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||