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Owingsville Banking Company

Owingsville, KY · Cert 9672 · Bath County Banking Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$104.1MAssets
$78.2MLoans
$92.3MDeposits
$9.3MEquity
Loan mix
94%RE $69.4M1%C&I $0.8M5%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $72.1M22%Noninterest $20.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.55%, down 21 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.29% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.02%, up 31 bps from a year ago.
  • Funding: loans stand at 84.76% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.55%-21 bps YoY

Net Interest Margin (quarter, annualized)

4.00%-18 bps YoY

Efficiency Ratio (quarter, annualized)

81.54%+1,052 bps YoY

Tier 1 Leverage Ratio

10.02%+31 bps YoY

NIM

6.24%Q2 ’246.39%Q2 ’256.06%Q2 ’26+0%-4%

Non-interest income vs. expense

3.04%Q2 ’243.20%Q2 ’253.52%Q2 ’26+6%+12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.73%1.10%0.76%1.08%0.82%0.65%0.55%-21 bps
Return on Equity12.34%9.75%13.74%9.44%12.90%9.39%7.22%6.13%-331 bps
Net Interest Margin4.09%4.29%4.12%4.17%4.23%4.16%4.01%4.00%-18 bps
Efficiency Ratio74.40%76.80%69.88%71.02%71.04%74.60%79.06%81.54%+1,052 bps
Non-Interest Burden2.96%3.22%2.78%2.87%2.91%3.03%3.11%3.20%+33 bps
Growth
Asset Growth (YoY)8.31%3.07%6.33%6.52%5.79%8.21%2.92%4.20%-233 bps
Loan Growth (YoY)8.56%10.62%14.02%10.95%9.08%5.58%3.17%5.07%-588 bps
Deposit Growth (YoY)7.48%1.45%4.74%5.00%2.75%5.50%2.13%3.64%-135 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.40%0.26%0.33%0.51%0.64%0.62%0.29%-5 bps
Net Charge-Offs / Loans0.03%0.05%0.03%0.02%0.03%0.26%0.01%-0.01%-3 bps
Allowance / Loans1.28%1.22%1.19%1.19%1.17%1.11%1.11%1.09%-10 bps
Allowance Coverage of NPLs2.6x3.1x4.6x3.6x2.3x1.7x1.8x3.8x+0.3x
Capital
Tier 1 Leverage Ratio9.40%9.58%9.80%9.71%9.73%10.00%10.11%10.02%+31 bps
Total Risk-Based Capital9.40%9.58%9.80%9.71%9.73%10.00%10.11%10.02%+31 bps
Equity / Assets7.04%7.99%7.95%8.11%8.62%8.94%8.99%8.92%+81 bps
Liquidity & Funding
Loans / Deposits81.47%86.15%84.17%83.61%86.49%86.22%85.03%84.76%+115 bps
Liquid Assets / Assets4.90%3.00%2.29%2.94%2.17%2.06%1.17%1.03%-191 bps
CRE / Total Capitaln/an/an/an/a40.27%43.88%49.41%n/an/a