Mount Washington, KY · Cert 5847 · Crossroads Bcorp 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
41
Profitability
85
Liquidity
90
Efficiency
56
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.
Mount Washington, KY · Cert 5847 · Crossroads Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.2% share · #32 of 43 inst. · $0.1B of $48.2B
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 | 1.34% | 1.29% | 1.30% | 1.26% | 1.40% | 1.40% | 1.50% | 1.38% | +12 bps | |
| Return on Equity | 18.82% | 18.22% | 18.35% | 17.85% | 19.23% | 18.87% | 18.74% | 17.13% | -72 bps | |
| Net Interest Margin | 4.24% | 4.34% | 4.41% | 4.32% | 4.45% | 4.58% | 4.64% | 4.71% | +40 bps | |
| Efficiency Ratio | 66.14% | 67.53% | 67.35% | 67.60% | 65.52% | 65.44% | 61.87% | 62.52% | -508 bps | |
| Non-Interest Burden | 2.62% | 2.74% | 2.80% | 2.74% | 2.73% | 2.82% | 2.65% | 2.71% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 3.41% | 4.39% | 6.98% | 4.75% | 6.06% | 3.05% | -2.52% | -950 bps | |
| Loan Growth (YoY) | 10.86% | 12.45% | 10.32% | 10.39% | 8.16% | 7.35% | 14.02% | 12.33% | +194 bps | |
| Deposit Growth (YoY) | 6.34% | 3.42% | 5.93% | 8.76% | 4.73% | 4.82% | 2.16% | -3.72% | -1,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.46% | 1.41% | 1.32% | 0.00% | 0.12% | 1.21% | 1.17% | -15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.29% | 1.26% | 1.27% | 1.25% | 1.27% | 1.27% | 1.25% | 1.37% | +12 bps | |
| Allowance Coverage of NPLs | n/a | 0.9x | 0.9x | 1.0x | n/a | 10.8x | 1.0x | 1.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 10.65% | 10.69% | 10.28% | 10.24% | 10.43% | 10.62% | 10.59% | +31 bps | |
| Total Risk-Based Capital | 15.35% | 14.77% | 15.24% | 14.82% | 15.29% | 14.80% | 14.33% | 14.15% | -67 bps | |
| Equity / Assets | 7.80% | 6.98% | 7.20% | 7.04% | 7.81% | 8.06% | 8.00% | 8.13% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.83% | 72.40% | 69.33% | 68.96% | 70.06% | 74.14% | 77.37% | 80.46% | +1,149 bps | |
| Liquid Assets / Assets | 9.09% | 4.88% | 8.86% | 11.64% | 10.49% | 7.04% | 5.03% | 2.71% | -892 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 287% | 306% | n/a | n/a | |
Mount Washington, KY · Cert 5847 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Crossroads Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.38%
Rank 217 of 746
Net Interest Margin
4.71%
Rank 58 of 746
Efficiency Ratio
62.52%
Rank 329 of 746
Equity / Assets
8.13%
Rank 637 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.72% | 1.06% | 1.45% | Beats 71% | 217 / 746 | n/a | |
| Return on Equity | 17.00% | 6.74% | 10.51% | 13.63% | Beats 91% | 65 / 746 | n/a | |
| Net Interest Margin | 4.71% | 3.17% | 3.68% | 4.16% | Beats 92% | 58 / 746 | n/a | |
| Efficiency Ratio | 62.52% | 55.74% | 64.58% | 75.47% | Beats 56% | 329 / 746 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.09% | 0.42% | 1.07% | Beats 23% | 573 / 743 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 310 / 743 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 11.55% | 13.75% | 17.60% | Beats 41% | 441 / 746 | n/a | |
| Total Risk-Based Capital Ratio | 14.15% | 11.71% | 14.33% | 18.43% | Beats 48% | 386 / 746 | n/a | |
| Equity / Assets | 8.13% | 8.90% | 10.51% | 13.06% | Beats 15% | 637 / 746 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.46% | 61.31% | 78.27% | 90.78% | 55th pctl | 339 / 746 | n/a | |
| Loans / Assets | 73.49% | 53.60% | 66.97% | 76.08% | 68th pctl | 241 / 746 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||