Maysville, KY · Cert 9315 · First Bank of Kentucky Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.14% | 1.25% | 1.08% | 1.23% | 1.29% | 1.37% | 1.37% | 1.52% | +29 bps | |
| Return on Equity | 7.41% | 7.88% | 7.01% | 7.98% | 7.94% | 7.98% | 7.94% | 8.80% | +81 bps | |
| Net Interest Margin | 3.07% | 3.11% | 3.10% | 3.26% | 3.45% | 3.61% | 3.57% | 3.68% | +42 bps | |
| Efficiency Ratio | 61.06% | 57.87% | 62.00% | 58.32% | 59.31% | 57.47% | 58.03% | 54.57% | -376 bps | |
| Non-Interest Burden | 1.67% | 1.54% | 1.75% | 1.70% | 1.84% | 1.86% | 1.87% | 1.79% | +9 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 / Loans | 0.00% | 0.00% | 0.00% | 0.08% | 0.08% | 0.16% | 0.16% | 0.12% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.81% | 0.83% | 0.80% | 0.80% | 0.82% | 0.82% | 0.85% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 10.5x | 10.5x | 5.2x | 5.2x | 7.0x | -3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.97% | 16.07% | 15.92% | 15.94% | 16.33% | 16.74% | 17.09% | 16.94% | +101 bps | |
| Total Risk-Based Capital | 29.82% | 29.18% | 29.32% | 28.78% | 29.53% | 29.55% | 30.15% | 31.08% | +230 bps | |
| Equity / Assets | 16.06% | 15.69% | 15.27% | 15.66% | 16.88% | 17.38% | 17.15% | 17.46% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.36% | 66.36% | 62.29% | 63.77% | 66.12% | 68.72% | 65.75% | 65.05% | +128 bps | |
| Liquid Assets / Assets | 0.07% | 0.07% | 1.53% | 1.84% | 1.17% | 0.07% | 0.29% | 0.63% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.51% | 131.32% | 120.64% | n/a | n/a | |