Hazard, KY · Cert 57869
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.59% | 0.66% | 0.65% | 0.75% | +24 bps | |
| Return on Equity | 6.11% | 6.94% | 7.66% | 7.38% | 8.59% | +248 bps | |
| Net Interest Margin | 2.87% | 2.92% | 2.97% | 3.29% | 3.36% | +49 bps | |
| Efficiency Ratio | 76.17% | 73.59% | 71.04% | 72.01% | 68.20% | -796 bps | |
| Non-Interest Burden | 2.12% | 2.07% | 2.02% | 2.29% | 2.20% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.88% | 2.11% | 6.39% | 8.34% | 8.14% | -375 bps | |
| Loan Growth (YoY) | 12.41% | 7.40% | 7.60% | 10.60% | 15.65% | +324 bps | |
| Deposit Growth (YoY) | 12.44% | 7.30% | 5.89% | 3.62% | 4.06% | -838 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 0.06% | 0.06% | 0.95% | 0.15% | -87 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.03% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 0.65% | 0.67% | 0.69% | 0.68% | 0.69% | +4 bps | |
| Allowance Coverage of NPLs | 0.6x | 10.8x | 11.2x | 0.7x | 4.6x | +4.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.41% | 9.46% | 9.54% | 9.61% | 9.65% | +24 bps | |
| Total Risk-Based Capital | 9.41% | 9.46% | 9.54% | 9.61% | 9.65% | +24 bps | |
| Equity / Assets | 8.40% | 8.85% | 8.88% | 8.66% | 8.75% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.56% | 88.82% | 87.09% | 92.19% | 96.20% | +965 bps | |
| Liquid Assets / Assets | 8.86% | 7.29% | 9.09% | 8.69% | 5.42% | -344 bps | |
| CRE / Total Capital | n/a | 448% | 433% | 446% | n/a | n/a | |