Booneville, KY · Cert 5838 · Middlefork Financial Group Inc.
State charter, non-member · FDIC · 2 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 in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
18
Profitability
42
Liquidity
0
Efficiency
25
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.
Booneville, KY · Cert 5838 · Middlefork Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (7 in holding)
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.03% | 1.01% | 1.07% | 1.10% | 1.06% | 0.92% | 0.89% | -19 bps | |
| Return on Equity | 14.99% | 16.30% | 14.24% | 14.83% | 14.83% | 14.19% | 11.93% | 11.49% | -334 bps | |
| Net Interest Margin | 3.72% | 3.76% | 3.86% | 3.93% | 3.93% | 3.84% | 3.96% | 3.75% | -18 bps | |
| Efficiency Ratio | 72.11% | 69.34% | 72.01% | 70.60% | 69.94% | 70.15% | 70.09% | 72.06% | +146 bps | |
| Non-Interest Burden | 2.49% | 2.40% | 2.61% | 2.60% | 2.57% | 2.52% | 2.60% | 2.54% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -2.64% | -2.94% | 2.27% | 3.86% | 12.76% | 14.14% | 11.08% | +881 bps | |
| Loan Growth (YoY) | 4.84% | 5.57% | 2.77% | 1.18% | 4.11% | 2.38% | 0.07% | 1.49% | +31 bps | |
| Deposit Growth (YoY) | -6.45% | 0.43% | 0.65% | 5.04% | 11.93% | 13.76% | 13.96% | 10.49% | +545 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.49% | 2.23% | 1.98% | 2.18% | 0.51% | 1.05% | 1.06% | 1.07% | -111 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | 0.01% | 0.06% | 0.01% | 0.00% | 0.44% | 0.25% | +19 bps | |
| Allowance / Loans | 1.97% | 1.93% | 1.89% | 1.94% | 1.96% | 1.99% | 1.90% | 1.95% | +1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 0.9x | 3.9x | 1.9x | 1.8x | 1.8x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.56% | 12.00% | 11.78% | 11.78% | 11.64% | 11.53% | 10.97% | 10.71% | -106 bps | |
| Total Risk-Based Capital | 17.52% | 18.17% | 18.24% | 18.63% | 18.53% | 18.75% | 18.79% | 18.78% | +15 bps | |
| Equity / Assets | 7.35% | 6.87% | 7.36% | 7.45% | 7.84% | 7.90% | 7.59% | 7.65% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.67% | 51.75% | 52.97% | 49.75% | 49.92% | 46.58% | 46.51% | 45.70% | -405 bps | |
| Liquid Assets / Assets | 0.27% | 1.01% | 0.75% | 0.46% | 0.52% | 0.85% | 1.04% | 0.22% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.54% | 138.83% | 136.46% | n/a | n/a | |
Booneville, KY · Cert 5838 · Peer group: banks under $1B in assets in KY (n=69) · Middlefork Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (7 in holding)
Q2 2026
Return on Assets
0.88%
Rank 49 of 69
Net Interest Margin
3.75%
Rank 34 of 69
Efficiency Ratio
72.06%
Rank 53 of 69
Equity / Assets
7.65%
Rank 58 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.83% | 1.18% | 1.44% | Beats 29% | 49 / 69 | ||
| Return on Equity | 11.48% | 7.64% | 11.70% | 15.70% | Beats 46% | 37 / 69 | ||
| Net Interest Margin | 3.75% | 3.45% | 3.75% | 3.96% | Beats 51% | 34 / 69 | ||
| Efficiency Ratio | 72.06% | 55.32% | 62.99% | 70.80% | Beats 25% | 53 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.18% | 0.52% | 1.14% | Beats 29% | 50 / 69 | ||
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.02% | 0.06% | Beats 6% | 66 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.53% | 11.33% | 13.58% | 16.27% | Beats 78% | 15 / 69 | ||
| Total Risk-Based Capital Ratio | 18.78% | 11.55% | 14.43% | 17.27% | Beats 78% | 15 / 69 | ||
| Equity / Assets | 7.65% | 8.31% | 9.91% | 12.53% | Beats 16% | 58 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.70% | 71.40% | 81.07% | 88.03% | 6th pctl | 65 / 69 | ||
| Loans / Assets | 41.20% | 61.10% | 68.66% | 76.68% | 7th pctl | 64 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||