Murray, KY · Cert 35161 · Banckentucky Inc.
State savings bank · OCC · 3 branches
Q2 2026
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 | 0.95% | 1.13% | 1.21% | 1.35% | 1.34% | 1.30% | 1.57% | 1.28% | -7 bps | |
| Return on Equity | 13.76% | 15.86% | 16.42% | 17.66% | 17.05% | 16.19% | 18.96% | 14.60% | -306 bps | |
| Net Interest Margin | 2.85% | 2.97% | 3.11% | 3.31% | 3.42% | 3.53% | 3.54% | 3.56% | +25 bps | |
| Efficiency Ratio | 57.70% | 58.86% | 49.12% | 52.17% | 47.34% | 50.33% | 46.07% | 46.06% | -611 bps | |
| Non-Interest Burden | 1.49% | 1.60% | 1.33% | 1.52% | 1.42% | 1.58% | 1.40% | 1.43% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.40% | 9.94% | 6.34% | 6.77% | 5.63% | 6.92% | 6.79% | 0.68% | -609 bps | |
| Loan Growth (YoY) | 18.33% | 17.79% | 18.58% | 11.37% | 8.56% | 7.95% | 5.00% | 4.84% | -653 bps | |
| Deposit Growth (YoY) | 9.76% | 11.95% | 8.34% | 6.96% | 5.11% | 3.16% | 3.53% | 0.60% | -637 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.04% | 0.69% | 0.69% | 0.63% | 0.68% | 1.95% | +126 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.01% | -0.01% | 0.00% | 0.43% | 0.51% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.53% | 1.50% | 1.51% | 1.53% | 1.52% | 1.45% | 1.40% | 1.55% | +1 bps | |
| Allowance Coverage of NPLs | 40.4x | 41.3x | 35.5x | 2.2x | 2.2x | 2.3x | 2.0x | 0.8x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.65% | 8.89% | 9.03% | 9.08% | 9.14% | 9.56% | 9.96% | +93 bps | |
| Total Risk-Based Capital | 13.71% | 13.97% | 13.77% | 14.05% | 13.78% | 14.13% | 14.27% | 9.96% | -409 bps | |
| Equity / Assets | 7.10% | 7.14% | 7.55% | 7.73% | 8.02% | 8.08% | 8.45% | 9.06% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.39% | 79.30% | 82.08% | 82.44% | 83.02% | 82.97% | 83.25% | 85.91% | +348 bps | |
| Liquid Assets / Assets | 13.53% | 13.25% | 12.82% | 12.31% | 11.83% | 11.51% | 11.21% | 11.47% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 222% | 218% | n/a | n/a | |