Lexington, KY · Cert 58164 · First Breckinridge Bancshares
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
78
Profitability
58
Liquidity
13
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lexington, KY · Cert 58164 · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 4 branches (27 in holding)
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 2.0% share · #15 of 36 inst. · $0.3B of $16.0B
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 | 0.75% | 0.69% | 1.20% | 1.26% | 1.37% | 1.42% | 1.38% | 1.21% | -5 bps | |
| Return on Equity | 6.75% | 6.32% | 12.75% | 13.44% | 14.53% | 14.67% | 12.62% | 11.07% | -236 bps | |
| Net Interest Margin | 2.89% | 2.81% | 3.12% | 3.39% | 3.53% | 3.64% | 3.69% | 3.62% | +23 bps | |
| Efficiency Ratio | 69.67% | 71.42% | 56.48% | 55.43% | 52.61% | 52.30% | 54.66% | 58.55% | +311 bps | |
| Non-Interest Burden | 1.92% | 1.92% | 1.68% | 1.78% | 1.75% | 1.78% | 1.91% | 2.01% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | 3.51% | 36.81% | 26.90% | 21.75% | 12.21% | -12.61% | -5.46% | -3,236 bps | |
| Loan Growth (YoY) | 8.43% | 9.64% | 13.36% | 10.55% | 9.75% | 9.32% | 7.68% | 9.05% | -151 bps | |
| Deposit Growth (YoY) | -6.18% | 1.79% | 45.81% | 39.10% | 30.83% | 17.49% | -16.44% | -16.48% | -5,558 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.03% | 0.17% | 0.00% | 0.00% | 0.00% | 0.01% | -16 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.58% | 0.56% | 0.56% | 0.56% | 0.56% | 0.54% | 0.54% | 0.53% | -3 bps | |
| Allowance Coverage of NPLs | 15.1x | 16.3x | 18.3x | 3.3x | n/a | n/a | n/a | 41.1x | +37.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.35% | 11.10% | 8.75% | 9.50% | 9.93% | 10.40% | 11.12% | 11.50% | +199 bps | |
| Total Risk-Based Capital | 16.86% | 16.53% | 15.56% | 16.30% | 16.82% | 17.22% | 16.97% | 16.88% | +58 bps | |
| Equity / Assets | 10.71% | 10.59% | 8.53% | 9.24% | 9.68% | 10.75% | 11.07% | 10.95% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.21% | 96.40% | 71.60% | 76.81% | 79.03% | 89.70% | 92.26% | 100.28% | +2,347 bps | |
| Liquid Assets / Assets | 13.05% | 9.44% | 28.02% | 23.52% | 18.66% | 12.39% | 11.55% | 11.86% | -1,166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 301% | 305% | n/a | n/a | |
Lexington, KY · Cert 58164 · Peer group: banks under $1B in assets (n=581-629) · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 4 branches (27 in holding)
Q2 2026
Return on Assets
1.19%
Rank 246 of 629
Net Interest Margin
3.62%
Rank 283 of 629
Efficiency Ratio
58.55%
Rank 160 of 629
Equity / Assets
10.95%
Rank 292 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.60% | 1.01% | 1.45% | Beats 61% | 246 / 629 | ||
| Return on Equity | 10.85% | 5.38% | 9.30% | 13.28% | Beats 59% | 255 / 629 | ||
| Net Interest Margin | 3.62% | 3.03% | 3.54% | 4.05% | Beats 55% | 283 / 629 | ||
| Efficiency Ratio | 58.55% | 58.35% | 67.79% | 79.08% | Beats 75% | 160 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.46% | 1.20% | Beats 85% | 88 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 70% | 177 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.25% | 11.24% | 13.84% | 18.77% | Beats 66% | 216 / 629 | ||
| Total Risk-Based Capital Ratio | 16.88% | 11.58% | 14.43% | 19.66% | Beats 66% | 211 / 629 | ||
| Equity / Assets | 10.95% | 9.09% | 10.65% | 13.80% | Beats 54% | 292 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.28% | 67.24% | 80.90% | 93.48% | 87th pctl | 79 / 594 | ||
| Loans / Assets | 78.64% | 53.31% | 67.71% | 78.15% | 77th pctl | 147 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||