Bowling Green, KY · Cert 35568 · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 6 branches (27 in holding)
Q2 2026
Market Position · Bowling Green, KY · 2026 SOD (annual) · 16.5% share · #1 of 22 inst. · $0.8B of $4.8B
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 | 0.76% | 0.77% | 0.86% | 0.92% | 0.98% | 1.05% | 1.01% | 1.04% | +12 bps | |
| Return on Equity | 9.25% | 9.43% | 10.71% | 11.29% | 11.90% | 12.42% | 10.98% | 11.35% | +6 bps | |
| Net Interest Margin | 2.59% | 2.61% | 2.77% | 2.84% | 2.90% | 2.96% | 3.05% | 3.05% | +21 bps | |
| Efficiency Ratio | 62.69% | 62.87% | 60.29% | 58.83% | 56.69% | 54.92% | 56.87% | 56.02% | -281 bps | |
| Non-Interest Burden | 1.51% | 1.53% | 1.55% | 1.55% | 1.52% | 1.49% | 1.62% | 1.58% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.66% | 14.39% | 11.01% | 9.14% | 6.56% | 2.24% | 0.03% | 3.85% | -529 bps | |
| Loan Growth (YoY) | 21.02% | 18.42% | 12.09% | 9.22% | 3.49% | 0.31% | 1.43% | 2.62% | -661 bps | |
| Deposit Growth (YoY) | 15.20% | 16.01% | 12.28% | 9.30% | 7.49% | 1.71% | -1.45% | 3.56% | -574 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.30% | 0.24% | 0.24% | 0.34% | 0.27% | 1.22% | 1.22% | +98 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.01% | 0.04% | 0.05% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 0.85% | 0.85% | 0.87% | 0.90% | 0.94% | 0.96% | 0.96% | 0.97% | +7 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.9x | 3.6x | 3.8x | 2.8x | 3.6x | 0.8x | 0.8x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 9.03% | 8.91% | 9.06% | 9.24% | 9.51% | 9.89% | 9.88% | +83 bps | |
| Total Risk-Based Capital | 11.32% | 11.19% | 11.18% | 11.51% | 12.06% | 12.40% | 12.29% | 12.39% | +88 bps | |
| Equity / Assets | 8.32% | 8.01% | 8.02% | 8.32% | 8.70% | 9.18% | 9.19% | 9.11% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.23% | 94.73% | 92.98% | 94.04% | 90.72% | 93.43% | 95.69% | 93.18% | -86 bps | |
| Liquid Assets / Assets | 0.76% | 0.75% | 0.70% | 0.58% | 0.53% | 0.65% | 0.63% | 2.13% | +155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 491% | 478% | 478% | n/a | n/a | |