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 | |