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 | |