Hazard, KY · Cert 8117 · Hazard Bcorp
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 1.10% | 6.64% | -0.23% | 0.18% | -28 bps | |
| Return on Equity | 9.18% | 21.00% | 113.27% | -3.93% | 3.41% | -577 bps | |
| Net Interest Margin | 3.54% | 3.92% | 4.07% | 3.86% | 4.12% | +59 bps | |
| Efficiency Ratio | 87.22% | 70.59% | 31.18% | 91.97% | 88.73% | +151 bps | |
| Non-Interest Burden | 3.02% | 2.48% | -5.07% | 3.51% | 3.60% | +58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | 8.75% | 14.14% | 25.12% | 41.63% | +3,841 bps | |
| Loan Growth (YoY) | 11.02% | 19.44% | 24.30% | 31.98% | 42.45% | +3,142 bps | |
| Deposit Growth (YoY) | 2.43% | 8.06% | 9.25% | 20.93% | 39.78% | +3,735 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.70% | 1.72% | 3.25% | 2.96% | 2.66% | +97 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.10% | 0.00% | 0.03% | 0 bps | |
| Allowance / Loans | 1.14% | 1.06% | 1.06% | 1.15% | 1.14% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.3x | 0.4x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.63% | 8.81% | 9.49% | 8.67% | 8.15% | -47 bps | |
| Total Risk-Based Capital | 11.87% | 12.38% | 12.45% | 11.45% | 10.49% | -138 bps | |
| Equity / Assets | 5.06% | 5.36% | 6.33% | 5.36% | 5.06% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.48% | 85.45% | 90.56% | 89.02% | 87.11% | +163 bps | |
| Liquid Assets / Assets | 4.32% | 4.75% | 1.69% | 5.50% | 6.38% | +206 bps | |
| CRE / Total Capital | n/a | 407% | 380% | 406% | n/a | n/a | |