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Murray Bank, The

Murray, KY · Cert 35161 · Banckentucky Inc.

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

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.

Peer group

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.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Murray Bank, The

Murray, KY · Cert 35161 · Banckentucky Inc.

State savings bank · OCC · 3 branches

Q2 2026

$534.1MAssets
$409.6MLoans
$476.7MDeposits
$48.4MEquity
Loan mix
81%RE $303.3M16%C&I $61.9M3%Consumer $10.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $378.4M21%Noninterest $98.3MQ2 2025Q2 2026

NIM

4.80%Q2 ’245.28%Q2 ’255.37%Q2 ’26+17%+12%

Non-interest income vs. expense

1.96%Q2 ’241.87%Q2 ’251.87%Q2 ’26-7%+1%

Executive Summary

  • Earnings: ROA of 1.43%, up 15 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.95% of loans (+126 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.96%, up 93 bps from a year ago.
  • Funding: loans stand at 85.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+39 bps YoY

Efficiency Ratio (YTD, annualized)

46.07%-464 bps YoY

Tier 1 Leverage Ratio

9.96%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.30%1.30%1.57%1.43%+15 bps
Return on Equity17.06%17.05%16.90%18.96%16.73%-32 bps
Net Interest Margin3.18%3.22%3.28%3.54%3.57%+39 bps
Efficiency Ratio50.71%49.53%49.74%46.07%46.07%-464 bps
Non-Interest Burden1.41%1.40%1.43%1.40%1.42%+1 bps
Growth
Asset Growth (YoY)6.77%5.63%6.92%6.79%0.68%-609 bps
Loan Growth (YoY)11.37%8.56%7.95%5.00%4.84%-653 bps
Deposit Growth (YoY)6.96%5.11%3.16%3.53%0.60%-637 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.69%0.63%0.68%1.95%+126 bps
Net Charge-Offs / Loans-0.01%0.14%0.23%0.01%0.01%+1 bps
Allowance / Loans1.53%1.52%1.45%1.40%1.55%+1 bps
Allowance Coverage of NPLs2.2x2.2x2.3x2.0x0.8x-1.4x
Capital
Tier 1 Leverage Ratio9.03%9.08%9.14%9.56%9.96%+93 bps
Total Risk-Based Capital14.05%13.78%14.13%14.27%9.96%-409 bps
Equity / Assets7.73%8.02%8.08%8.45%9.06%+133 bps
Liquidity & Funding
Loans / Deposits82.44%83.02%82.97%83.25%85.91%+348 bps
Liquid Assets / Assets12.31%11.83%11.51%11.21%11.47%-85 bps
CRE / Total Capitaln/a223%222%218%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Murray Bank, The

Murray, KY · Cert 35161 · Peer group: banks under $1B in assets in KY (n=69) · Banckentucky Inc.

State savings bank · OCC · 3 branches

Q2 2026

$534.1MAssets
$409.6MLoans
$476.7MDeposits
$48.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in KY (rank 3 of 69).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in KY (rank 62 of 69).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.45%

Rank 15 of 69

Net Interest Margin

3.57%

Rank 45 of 69

Efficiency Ratio

46.07%

Rank 3 of 69

Equity / Assets

9.06%

Rank 42 of 69

Non-interest income vs. expense

$2.4M$10.0MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 97% of banks under $1B in assets in KY
Bank 46.07%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.83%1.18%1.44%Beats 78%15 / 69
Return on Equity16.06%7.64%11.70%15.70%Beats 78%15 / 69
Net Interest Margin3.57%3.45%3.75%3.96%Beats 35%45 / 69
Efficiency Ratio46.07%55.32%62.99%70.80%Beats 97%3 / 69
Asset Quality
Nonperforming Loans / Loans1.95%0.18%0.52%1.14%Beats 10%63 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 77%17 / 69
Capital
Tier 1 Capital Ratio9.96%11.33%13.58%16.27%Beats 12%61 / 69
Total Risk-Based Capital Ratio9.96%11.55%14.43%17.27%Beats 10%62 / 69
Equity / Assets9.06%8.31%9.91%12.53%Beats 39%42 / 69
Liquidity & Funding
Loans / Deposits85.91%71.40%81.07%88.03%67th pctl23 / 69
Loans / Assets76.68%61.10%68.66%76.68%74th pctl18 / 69
Brokered Deposits / Depositsn/aNot reported for this institution