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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.53% | 1.20% | 1.25% | 1.57% | 1.54% | 1.38% | 1.05% | -20 bps | |
| Return on Equity | 6.09% | 5.02% | 12.75% | 14.11% | 16.64% | 15.07% | 12.62% | 9.55% | -456 bps | |
| Net Interest Margin | 2.78% | 2.80% | 3.12% | 3.48% | 3.75% | 3.80% | 3.69% | 3.50% | +1 bps | |
| Efficiency Ratio | 71.67% | 76.59% | 56.48% | 54.45% | 47.43% | 51.45% | 54.66% | 62.66% | +821 bps | |
| Non-Interest Burden | 1.90% | 2.07% | 1.68% | 1.78% | 1.65% | 1.80% | 1.91% | 2.09% | +30 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 | 0.00% | 0.00% | 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 | |