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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

$164.0MAssets
$87.0MLoans
$133.7MDeposits
$28.6MEquity
Loan mix
98%RE $83.7M1%C&I $0.7M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $110.4M17%Noninterest $23.3MQ2 2025Q2 2026

NIM

3.29%Q2 ’243.73%Q2 ’254.11%Q2 ’26+18%+13%

Non-interest income vs. expense

2.12%Q2 ’242.12%Q2 ’252.21%Q2 ’26+2%+5%

Executive Summary

  • Earnings: ROA of 1.52%, up 29 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.12% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.52%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+42 bps YoY

Efficiency Ratio (quarter, annualized)

54.57%-376 bps YoY

Tier 1 Leverage Ratio

16.94%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.29%1.37%1.37%1.52%+29 bps
Return on Equity7.98%7.94%7.98%7.94%8.80%+81 bps
Net Interest Margin3.26%3.45%3.61%3.57%3.68%+42 bps
Efficiency Ratio58.32%59.31%57.47%58.03%54.57%-376 bps
Non-Interest Burden1.70%1.84%1.86%1.87%1.79%+9 bps
Growth
Asset Growth (YoY)6.82%4.01%2.51%-1.41%-2.05%-887 bps
Loan Growth (YoY)13.37%8.62%5.74%5.28%-1.11%-1,448 bps
Deposit Growth (YoY)5.57%4.08%2.11%-0.26%-3.06%-863 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.16%0.16%0.12%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0 bps
Allowance / Loans0.80%0.80%0.82%0.82%0.85%+5 bps
Allowance Coverage of NPLs10.5x10.5x5.2x5.2x7.0x-3.6x
Capital
Tier 1 Leverage Ratio15.94%16.33%16.74%17.09%16.94%+101 bps
Total Risk-Based Capital28.78%29.53%29.55%30.15%31.08%+230 bps
Equity / Assets15.66%16.88%17.38%17.15%17.46%+180 bps
Liquidity & Funding
Loans / Deposits63.77%66.12%68.72%65.75%65.05%+128 bps
Liquid Assets / Assets1.84%1.17%0.07%0.29%0.63%-121 bps
CRE / Total Capitaln/a131.51%131.32%120.64%n/an/a