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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

5.00%Q2 ’245.40%Q2 ’255.30%Q2 ’26+19%+8%

Non-interest income vs. expense

1.96%Q2 ’242.01%Q2 ’251.85%Q2 ’260%-6%

Executive Summary

  • Earnings: ROA of 1.28%, down 7 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.95% of loans (+126 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.28%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.56%+25 bps YoY

Efficiency Ratio (quarter, annualized)

46.06%-611 bps YoY

Tier 1 Leverage Ratio

9.96%+93 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.34%1.30%1.57%1.28%-7 bps
Return on Equity17.66%17.05%16.19%18.96%14.60%-306 bps
Net Interest Margin3.31%3.42%3.53%3.54%3.56%+25 bps
Efficiency Ratio52.17%47.34%50.33%46.07%46.06%-611 bps
Non-Interest Burden1.52%1.42%1.58%1.40%1.43%-9 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 / Loans0.00%0.43%0.51%0.01%0.00%0 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