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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 $1.3MQ3 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