Hazard, KY · Cert 8117 · Hazard Bcorp
State charter, Fed member · FED · 6 branches
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 | 0.59% | 0.52% | 0.39% | 0.43% | 0.65% | 2.22% | -0.23% | -0.01% | -44 bps | |
| Return on Equity | 12.80% | 11.02% | 7.84% | 8.56% | 12.78% | 41.53% | -3.93% | -0.26% | -882 bps | |
| Net Interest Margin | 2.99% | 3.04% | 3.38% | 3.40% | 3.55% | 3.51% | 3.86% | 3.87% | +48 bps | |
| Efficiency Ratio | 79.37% | 81.41% | 87.46% | 87.33% | 80.81% | 54.56% | 91.97% | 90.25% | +292 bps | |
| Non-Interest Burden | 2.28% | 2.38% | 2.90% | 2.90% | 2.74% | 0.66% | 3.51% | 3.45% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 1.96% | 5.12% | 3.22% | 8.75% | 14.14% | 25.12% | 41.63% | +3,841 bps | |
| Loan Growth (YoY) | -1.63% | 1.98% | 7.43% | 11.02% | 19.44% | 24.30% | 31.98% | 42.45% | +3,142 bps | |
| Deposit Growth (YoY) | 1.49% | 1.39% | 5.17% | 2.43% | 8.06% | 9.25% | 20.93% | 39.78% | +3,735 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.07% | 2.15% | 1.60% | 1.70% | 1.72% | 3.25% | 2.96% | 2.66% | +97 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.01% | 0.02% | 0.03% | 0.05% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.31% | 1.24% | 1.17% | 1.14% | 1.06% | 1.06% | 1.15% | 1.14% | 0 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.7x | 0.6x | 0.3x | 0.4x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 9.03% | 8.85% | 8.63% | 8.81% | 9.49% | 8.67% | 8.15% | -47 bps | |
| Total Risk-Based Capital | 13.48% | 12.69% | 12.48% | 11.87% | 12.38% | 12.45% | 11.45% | 10.49% | -138 bps | |
| Equity / Assets | 4.73% | 4.90% | 4.95% | 5.06% | 5.36% | 6.33% | 5.36% | 5.06% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.30% | 79.60% | 81.57% | 85.48% | 85.45% | 90.56% | 89.02% | 87.11% | +163 bps | |
| Liquid Assets / Assets | 11.57% | 9.03% | 8.66% | 4.32% | 4.75% | 1.69% | 5.50% | 6.38% | +206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 407% | 380% | 406% | n/a | n/a | |