Maysville, KY · Cert 8121 · Security Bcorp Maysville Inc.
State charter, non-member · FDIC · 3 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
73
Asset Quality
48
Profitability
54
Liquidity
0
Efficiency
90
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.
Maysville, KY · Cert 8121 · Security Bcorp Maysville Inc.
State charter, non-member · FDIC · 3 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 | 1.34% | 1.33% | 1.15% | 1.29% | 1.35% | 1.40% | 1.49% | 1.59% | +29 bps | |
| Return on Equity | 8.77% | 8.67% | 7.38% | 8.26% | 8.47% | 8.84% | 9.61% | 10.19% | +193 bps | |
| Net Interest Margin | 3.22% | 3.28% | 3.18% | 3.20% | 3.33% | 3.43% | 3.59% | 3.60% | +40 bps | |
| Efficiency Ratio | 50.75% | 51.57% | 58.06% | 53.65% | 52.52% | 51.51% | 50.45% | 48.27% | -538 bps | |
| Non-Interest Burden | 1.50% | 1.56% | 1.73% | 1.59% | 1.62% | 1.63% | 1.68% | 1.60% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -2.55% | -5.19% | -3.44% | -4.41% | 0.51% | 1.81% | 1.55% | +499 bps | |
| Loan Growth (YoY) | 4.53% | 5.08% | 1.63% | 4.43% | 1.69% | -4.77% | -6.11% | -9.61% | -1,404 bps | |
| Deposit Growth (YoY) | 1.44% | -3.55% | -6.21% | -7.51% | -5.35% | 0.35% | 2.08% | 5.35% | +1,286 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.17% | 0.10% | 0.09% | 0.14% | 0.09% | 0.09% | 1.86% | +176 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.01% | 0.98% | 1.00% | 0.97% | 1.00% | 1.04% | 1.07% | 1.07% | +10 bps | |
| Allowance Coverage of NPLs | 5.6x | 5.9x | 10.0x | 10.4x | 7.3x | 11.6x | 12.1x | 0.6x | -9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.88% | 15.48% | 15.63% | 15.59% | 16.36% | 15.77% | 15.79% | 15.74% | +15 bps | |
| Total Risk-Based Capital | 15.88% | 15.48% | 15.63% | 15.59% | 16.36% | 15.77% | 15.79% | 15.74% | +15 bps | |
| Equity / Assets | 15.98% | 15.59% | 15.57% | 15.80% | 16.78% | 15.52% | 15.41% | 15.76% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.22% | 50.96% | 48.82% | 52.41% | 51.81% | 48.36% | 44.90% | 44.97% | -744 bps | |
| Liquid Assets / Assets | 49.65% | 49.17% | 49.37% | 51.12% | 48.95% | 52.23% | 55.49% | 56.80% | +567 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.63% | 99.94% | 94.31% | n/a | n/a | |
Maysville, KY · Cert 8121 · Peer group: banks under $1B in assets in KY (n=69) · Security Bcorp Maysville Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.57%
Rank 12 of 69
Net Interest Margin
3.60%
Rank 41 of 69
Efficiency Ratio
48.27%
Rank 8 of 69
Equity / Assets
15.76%
Rank 8 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.83% | 1.18% | 1.44% | Beats 83% | 12 / 69 | ||
| Return on Equity | 9.96% | 7.64% | 11.70% | 15.70% | Beats 39% | 42 / 69 | ||
| Net Interest Margin | 3.60% | 3.45% | 3.75% | 3.96% | Beats 41% | 41 / 69 | ||
| Efficiency Ratio | 48.27% | 55.32% | 62.99% | 70.80% | Beats 90% | 8 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.18% | 0.52% | 1.14% | Beats 13% | 61 / 69 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 83% | 13 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.74% | 11.33% | 13.58% | 16.27% | Beats 68% | 22 / 69 | ||
| Total Risk-Based Capital Ratio | 15.74% | 11.55% | 14.43% | 17.27% | Beats 64% | 25 / 69 | ||
| Equity / Assets | 15.76% | 8.31% | 9.91% | 12.53% | Beats 88% | 8 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.97% | 71.40% | 81.07% | 88.03% | 4th pctl | 66 / 69 | ||
| Loans / Assets | 37.76% | 61.10% | 68.66% | 76.68% | 4th pctl | 66 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||