Hickman, KY · Cert 9306 · Citizens Bcorp of Hickman 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.05% | 1.14% | 1.17% | 1.36% | +35 bps | |
| Return on Equity | 9.66% | 9.91% | 10.63% | 10.50% | 12.05% | +239 bps | |
| Net Interest Margin | 3.27% | 3.26% | 3.26% | 3.65% | 3.68% | +41 bps | |
| Efficiency Ratio | 64.97% | 64.58% | 62.41% | 60.52% | 57.33% | -763 bps | |
| Non-Interest Burden | 1.95% | 1.95% | 1.89% | 2.10% | 1.91% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.74% | 7.18% | 12.26% | 9.36% | 2.78% | -696 bps | |
| Loan Growth (YoY) | 3.61% | 1.94% | 12.05% | 12.11% | 11.72% | +811 bps | |
| Deposit Growth (YoY) | 15.99% | 14.39% | 10.71% | 8.88% | 1.51% | -1,448 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.08% | 0.14% | 0.35% | 0.34% | +28 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.07% | 0.04% | 0.04% | 0 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.09% | 1.07% | 1.02% | -21 bps | |
| Allowance Coverage of NPLs | 18.9x | 14.8x | 7.7x | 3.0x | 3.0x | -16.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.74% | 12.29% | 12.26% | 12.44% | 12.67% | -7 bps | |
| Total Risk-Based Capital | 12.74% | 12.29% | 12.26% | 12.44% | 12.67% | -7 bps | |
| Equity / Assets | 10.43% | 10.93% | 11.19% | 11.11% | 11.55% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.23% | 78.94% | 82.29% | 81.79% | 86.10% | +787 bps | |
| Liquid Assets / Assets | 0.13% | 0.13% | 0.13% | 0.13% | 0.16% | +3 bps | |
| CRE / Total Capital | n/a | 157.56% | 155.45% | 158.92% | n/a | n/a | |