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Bank of Maysville

Maysville, KY · Cert 9315 · First Bank of Kentucky Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

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.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Maysville

Maysville, KY · Cert 9315 · First Bank of Kentucky Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$164.0MAssets
$87.0MLoans
$133.7MDeposits
$28.6MEquity
Loan mix
98%RE $83.7M1%C&I $0.7M1%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $110.4M17%Noninterest $23.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.45%, up 28 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.12% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.94%, up 101 bps from a year ago.
  • Funding: loans stand at 65.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+43 bps YoY

Efficiency Ratio (YTD, annualized)

56.26%-384 bps YoY

Tier 1 Leverage Ratio

16.94%+101 bps YoY

NIM

3.23%Q2 ’243.64%Q2 ’254.03%Q2 ’26+17%+14%

Non-interest income vs. expense

2.09%Q2 ’242.11%Q2 ’252.22%Q2 ’26+3%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.04%1.08%1.17%1.21%1.25%1.37%1.45%+28 bps
Return on Equity6.47%6.87%7.01%7.50%7.65%7.75%7.94%8.36%+86 bps
Net Interest Margin2.85%2.92%3.10%3.17%3.27%3.41%3.57%3.60%+43 bps
Efficiency Ratio65.27%63.26%62.00%60.10%59.82%59.20%58.03%56.26%-384 bps
Non-Interest Burden1.69%1.65%1.75%1.72%1.76%1.82%1.87%1.82%+10 bps
Growth
Asset Growth (YoY)-0.71%-1.47%5.47%6.82%4.01%2.51%-1.41%-2.05%-887 bps
Loan Growth (YoY)3.94%9.86%8.29%13.37%8.62%5.74%5.28%-1.11%-1,448 bps
Deposit Growth (YoY)-3.94%-4.04%3.47%5.57%4.08%2.11%-0.26%-3.06%-863 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.08%0.08%0.16%0.16%0.12%+5 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.01%0.01%0.01%0 bps
Allowance / Loans0.83%0.81%0.83%0.80%0.80%0.82%0.82%0.85%+5 bps
Allowance Coverage of NPLsn/an/an/a10.5x10.5x5.2x5.2x7.0x-3.6x
Capital
Tier 1 Leverage Ratio15.97%16.07%15.92%15.94%16.33%16.74%17.09%16.94%+101 bps
Total Risk-Based Capital29.82%29.18%29.32%28.78%29.53%29.55%30.15%31.08%+230 bps
Equity / Assets16.06%15.69%15.27%15.66%16.88%17.38%17.15%17.46%+180 bps
Liquidity & Funding
Loans / Deposits63.36%66.36%62.29%63.77%66.12%68.72%65.75%65.05%+128 bps
Liquid Assets / Assets0.07%0.07%1.53%1.84%1.17%0.07%0.29%0.63%-121 bps
CRE / Total Capitaln/an/an/an/a131.51%131.32%120.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Maysville

Maysville, KY · Cert 9315 · Peer group: banks under $1B in assets in KY (n=69) · First Bank of Kentucky Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$164.0MAssets
$87.0MLoans
$133.7MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of banks under $1B in assets in KY (rank 4 of 69).
  • Widest gap: return on equity trails 71% of banks under $1B in assets in KY (rank 49 of 69).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.44%

Rank 18 of 69

Net Interest Margin

3.60%

Rank 42 of 69

Efficiency Ratio

56.26%

Rank 20 of 69

Equity / Assets

17.46%

Rank 6 of 69

Non-interest income vs. expense

$0.7M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 72% of banks under $1B in assets in KY
Bank 56.26%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.44%0.83%1.18%1.44%Beats 74%18 / 69
Return on Equity8.23%7.64%11.70%15.70%Beats 29%49 / 69
Net Interest Margin3.60%3.45%3.75%3.96%Beats 39%42 / 69
Efficiency Ratio56.26%55.32%62.99%70.80%Beats 72%20 / 69
Asset Quality
Nonperforming Loans / Loans0.12%0.18%0.52%1.14%Beats 80%15 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 80%15 / 69
Capital
Tier 1 Capital Ratio30.26%11.33%13.58%16.27%Beats 94%4 / 69
Total Risk-Based Capital Ratio31.08%11.55%14.43%17.27%Beats 94%4 / 69
Equity / Assets17.46%8.31%9.91%12.53%Beats 91%6 / 69
Liquidity & Funding
Loans / Deposits65.05%71.40%81.07%88.03%17th pctl57 / 69
Loans / Assets53.04%61.10%68.66%76.68%14th pctl59 / 69
Brokered Deposits / Depositsn/aNot reported for this institution