Glasgow, KY · Cert 9678 · Edmonton Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.2% share · #39 of 62 inst. · $0.3B of $107.8B
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 | 1.74% | 1.77% | 1.91% | 1.89% | 2.10% | 1.96% | 2.00% | 1.94% | +4 bps | |
| Return on Equity | 14.62% | 14.43% | 15.58% | 15.94% | 17.72% | 16.69% | 17.08% | 16.26% | +31 bps | |
| Net Interest Margin | 4.48% | 4.52% | 4.37% | 4.59% | 4.60% | 4.72% | 4.60% | 4.78% | +19 bps | |
| Efficiency Ratio | 48.71% | 50.18% | 46.17% | 49.04% | 42.63% | 47.46% | 45.49% | 46.31% | -273 bps | |
| Non-Interest Burden | 2.01% | 2.15% | 1.79% | 2.09% | 1.74% | 2.06% | 1.92% | 1.97% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.19% | 1.21% | 6.44% | 6.90% | 6.71% | 16.15% | 7.27% | 4.22% | -269 bps | |
| Loan Growth (YoY) | 41.39% | 6.27% | 5.70% | 3.97% | 5.60% | 5.76% | 7.11% | 10.36% | +639 bps | |
| Deposit Growth (YoY) | 41.45% | 0.39% | 6.66% | 7.11% | 6.93% | 17.40% | 7.40% | 3.86% | -325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.09% | 0.13% | 0.20% | 0.24% | 0.30% | 0.32% | +19 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.13% | -0.01% | 0.04% | 0.07% | 0.07% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.14% | 1.12% | 1.10% | 1.10% | 1.09% | 1.12% | -1 bps | |
| Allowance Coverage of NPLs | 8.9x | 7.8x | 13.1x | 8.6x | 5.6x | 4.5x | 3.6x | 3.5x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 10.78% | 11.32% | 11.06% | 11.21% | 10.91% | 11.38% | 11.47% | +41 bps | |
| Total Risk-Based Capital | 10.91% | 10.78% | 11.32% | 11.06% | 11.21% | 10.91% | 11.38% | 11.47% | +41 bps | |
| Equity / Assets | 11.93% | 12.67% | 11.93% | 11.80% | 11.92% | 11.63% | 11.77% | 12.04% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.80% | 98.91% | 89.07% | 87.32% | 88.67% | 89.11% | 88.83% | 92.79% | +547 bps | |
| Liquid Assets / Assets | 11.86% | 4.88% | 13.63% | 15.06% | 14.16% | 14.41% | 14.70% | 11.98% | -308 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 321% | 326% | 315% | n/a | n/a | |