Century Bank of Kentucky, Inc.
Lawrenceburg, KY · Cert 35450 · Peer group: banks under $1B in assets in KY (n=69) · Century Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$208.1MAssets
$142.9MLoans
$188.0MDeposits
$19.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in KY (rank 60 of 69).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.67%
Rank 9 of 69
Net Interest Margin
3.83%
Rank 29 of 69
Efficiency Ratio
49.36%
Rank 9 of 69
Equity / Assets
9.40%
Rank 39 of 69
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 88% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.83% | 1.18% | 1.44% | Beats 87% | 9 / 69 | |
| Return on Equity | 17.80% | 7.64% | 11.70% | 15.70% | Beats 87% | 9 / 69 | |
| Net Interest Margin | 3.83% | 3.45% | 3.75% | 3.96% | Beats 58% | 29 / 69 | |
| Efficiency Ratio | 49.36% | 55.32% | 62.99% | 70.80% | Beats 88% | 9 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 84% | 12 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 10.41% | 11.33% | 13.58% | 16.27% | Beats 14% | 59 / 69 | |
| Total Risk-Based Capital Ratio | 10.41% | 11.55% | 14.43% | 17.27% | Beats 13% | 60 / 69 | |
| Equity / Assets | 9.40% | 8.31% | 9.91% | 12.53% | Beats 43% | 39 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 76.00% | 71.40% | 81.07% | 88.03% | 33rd pctl | 46 / 69 | |
| Loans / Assets | 68.66% | 61.10% | 68.66% | 76.68% | 49th pctl | 35 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |