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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.06% | 0.96% | 1.13% | 1.33% | 1.43% | 1.38% | 1.52% | +39 bps | |
| Return on Equity | 11.00% | 10.15% | 9.26% | 10.66% | 12.05% | 12.61% | 12.06% | 12.94% | +228 bps | |
| Net Interest Margin | 3.39% | 3.47% | 3.52% | 3.71% | 3.98% | 4.12% | 4.10% | 4.25% | +53 bps | |
| Efficiency Ratio | 62.31% | 65.25% | 66.90% | 62.07% | 58.99% | 55.45% | 57.62% | 55.14% | -693 bps | |
| Non-Interest Burden | 1.89% | 2.07% | 2.18% | 2.10% | 2.09% | 2.04% | 2.13% | 2.08% | -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 | 0.02% | 0.07% | 0.01% | -0.01% | 0.05% | 0.13% | -0.05% | 0.03% | +5 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 | |