Security Bank and Trust Company
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
$71.8MAssets
$27.1MLoans
$60.3MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in KY (rank 8 of 69).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets in KY (rank 61 of 69).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 90% of banks under $1B in assets in KY | 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 |