Bank of Lexington, Inc.
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
$410.8MAssets
$323.0MLoans
$322.2MDeposits
$45.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 88 of 581).
- Widest gap: equity / assets trails 46% of banks under $1B in assets (rank 292 of 629).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 75% of banks under $1B in assets | 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 |