Hopkinsville, KY · Cert 9309 · Todd Bancshares Inc.
State charter, Fed member · FED · 7 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
51
Profitability
75
Liquidity
54
Efficiency
79
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.
Hopkinsville, KY · Cert 9309 · Todd Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 3.0% share · #11 of 19 inst. · $0.2B of $6.2B
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 | 1.12% | 1.10% | 0.96% | 1.05% | 1.14% | 1.21% | 1.38% | 1.46% | +41 bps | |
| Return on Equity | 11.14% | 10.93% | 9.26% | 9.97% | 10.68% | 11.21% | 12.06% | 12.50% | +252 bps | |
| Net Interest Margin | 3.26% | 3.27% | 3.52% | 3.59% | 3.73% | 3.80% | 4.10% | 4.17% | +58 bps | |
| Efficiency Ratio | 62.57% | 63.26% | 66.90% | 64.41% | 62.47% | 60.58% | 57.62% | 56.35% | -805 bps | |
| Non-Interest Burden | 1.78% | 1.83% | 2.18% | 2.12% | 2.12% | 2.08% | 2.13% | 2.11% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.77% | 6.28% | 6.02% | 4.29% | 5.13% | 3.04% | 2.43% | 1.07% | -322 bps | |
| Loan Growth (YoY) | 8.35% | 7.35% | 9.57% | 5.33% | 7.49% | 9.01% | 7.81% | 9.87% | +454 bps | |
| Deposit Growth (YoY) | 11.65% | 10.11% | 9.68% | 7.35% | 4.77% | 1.98% | 1.36% | 2.11% | -525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.85% | 0.81% | 0.81% | 0.41% | 0.31% | 0.37% | 0.37% | -43 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.00% | 0.02% | 0.04% | -0.05% | -0.01% | 0 bps | |
| Allowance / Loans | 1.06% | 1.04% | 1.05% | 1.11% | 1.08% | 1.09% | 1.15% | 1.19% | +8 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.2x | 1.3x | 1.4x | 2.6x | 3.6x | 3.1x | 3.2x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.43% | 11.58% | 11.69% | 12.08% | 12.09% | 12.29% | 12.66% | +97 bps | |
| Total Risk-Based Capital | 11.48% | 11.43% | 11.58% | 11.69% | 12.08% | 12.09% | 12.29% | 12.66% | +97 bps | |
| Equity / Assets | 10.60% | 10.28% | 10.38% | 10.82% | 11.20% | 11.43% | 11.47% | 12.09% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.34% | 85.36% | 84.91% | 84.76% | 88.58% | 91.25% | 90.31% | 91.21% | +644 bps | |
| Liquid Assets / Assets | 3.72% | 4.42% | 5.51% | 6.14% | 3.74% | 1.40% | 3.76% | 1.29% | -485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.85% | 183.34% | 173.21% | n/a | n/a | |
Hopkinsville, KY · Cert 9309 · Peer group: banks under $1B in assets (n=581-629) · Todd Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
1.46%
Rank 151 of 629
Net Interest Margin
4.17%
Rank 122 of 629
Efficiency Ratio
56.35%
Rank 133 of 629
Equity / Assets
12.09%
Rank 223 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.60% | 1.01% | 1.45% | Beats 76% | 151 / 629 | ||
| Return on Equity | 12.11% | 5.38% | 9.30% | 13.28% | Beats 68% | 204 / 629 | ||
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 81% | 122 / 629 | ||
| Efficiency Ratio | 56.35% | 58.35% | 67.79% | 79.08% | Beats 79% | 133 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.46% | 1.20% | Beats 54% | 267 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 313 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.66% | 11.24% | 13.84% | 18.77% | Beats 40% | 378 / 629 | ||
| Total Risk-Based Capital Ratio | 12.66% | 11.58% | 14.43% | 19.66% | Beats 35% | 408 / 629 | ||
| Equity / Assets | 12.09% | 9.09% | 10.65% | 13.80% | Beats 65% | 223 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.21% | 67.24% | 80.90% | 93.48% | 71st pctl | 172 / 594 | ||
| Loans / Assets | 79.52% | 53.31% | 67.71% | 78.15% | 81st pctl | 122 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||