Winchester, KY · Cert 8785 · Genbeach Co. Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 1.9% share · #16 of 36 inst. · $0.3B of $16.0B
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 | 1.11% | 1.14% | 1.13% | 1.22% | 1.30% | +19 bps | |
| Return on Equity | 12.48% | 12.71% | 12.42% | 13.30% | 13.78% | +130 bps | |
| Net Interest Margin | 3.66% | 3.69% | 3.82% | 3.84% | 4.06% | +41 bps | |
| Efficiency Ratio | 65.17% | 63.06% | 62.57% | 62.51% | 61.52% | -365 bps | |
| Non-Interest Burden | 2.16% | 2.10% | 2.15% | 2.17% | 2.26% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.31% | 11.74% | 10.86% | 7.77% | 2.93% | -538 bps | |
| Loan Growth (YoY) | 12.41% | 11.93% | 8.83% | 5.27% | 5.63% | -677 bps | |
| Deposit Growth (YoY) | 10.87% | 14.53% | 15.30% | 11.12% | 2.10% | -877 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.13% | 0.07% | 0.12% | 0.06% | -3 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.15% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.19% | 1.19% | 1.19% | +5 bps | |
| Allowance Coverage of NPLs | 11.9x | 9.1x | 15.9x | 10.3x | 19.3x | +7.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.56% | 9.56% | 9.54% | 9.78% | 9.97% | +41 bps | |
| Total Risk-Based Capital | 9.56% | 9.56% | 9.54% | 9.78% | 9.97% | +41 bps | |
| Equity / Assets | 8.90% | 9.03% | 9.19% | 9.17% | 9.70% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.84% | 93.89% | 93.85% | 93.91% | 99.16% | +332 bps | |
| Liquid Assets / Assets | 2.97% | 4.93% | 4.82% | 6.07% | 2.23% | -74 bps | |
| CRE / Total Capital | n/a | 351% | 343% | 355% | n/a | n/a | |