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Bank of Hindman

$100M-$1B Specialty: Commercial KY FDIC cert 289

Hindman, KY

3 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -0.8% year over year ($211.4M on the books).
  • Delinquency rate 0.92%.
  • Return on assets 0.48%.
  • Efficiency ratio 73.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 55.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Bank of Hindman faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 3.8% in tier
  • - Deposit Outflow: Bottom 43.7% in tier
  • - Net Interest Margin 1.91% below tier average
  • - ROA 0.84% below tier average
  • - Efficiency Ratio 8.93% above tier average
Get updates when Bank of Hindman releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $259.7M
-1.1% YoY -3.1% QoQ
-$126.8M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $117.8M
-2.8% YoY -1.9% QoQ
-$140.6M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $211.4M
-0.8% YoY -2.7% QoQ
-$115.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.48%
+80.0% YoY +10.8% QoQ
-0.84% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 11.7% in tier
Net Interest Margin ? 2.08%
+21.4% YoY +3.8% QoQ
-1.91% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 1.0% in tier
Efficiency Ratio ? 73.40%
-13.7% YoY -2.2% QoQ
+8.93% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.92%
-54.2% YoY -49.6% QoQ
+0.00% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 55.71%
-2.0% YoY +0.8% QoQ
-22.24% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 13.1% in tier
Non-Interest-Bearing Deposit Share ? 19.18%
-5.0% YoY +1.1% QoQ
-2.85% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.42%
-61.5% YoY -49.0% QoQ
-0.25% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 15.95%
+5.3% YoY +2.1% QoQ
+0.04% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.09%
-5.3% YoY +118.5% QoQ
-0.48% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 19.2%
-1.0pp YoY
+0.2pp QoQ
 -3.0pp 22.1% 23.5% 22.2% 41%
Brokered Deposits 0.5%
-1.5pp YoY
-0.4pp QoQ
 -7.4pp 7.9% 5.4% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 13.8%
+3.7pp YoY
0.0pp QoQ
 +2.3pp 11.6% 8.6% 12.5% 71%
CRE 51.0%
+0.7pp YoY
+1.7pp QoQ
 +11.4pp 39.5% 37.1% 41.4% 71%
1-4 Family 29.7%
-3.8pp YoY
-2.4pp QoQ
 -3.0pp 32.6% 41.6% 31.3% 51%
Consumer 6.2%
+0.2pp YoY
+0.5pp QoQ
 +2.0pp 4.1% 4.8% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 15.9%
+0.8pp YoY
+0.3pp QoQ
 -2.9pp 18.8% 20.2% 19.7% 57%
Leverage Ratio 9.2%
+0.1pp YoY
+0.1pp QoQ
 -3.0pp 12.2% 14.0% 12.6% 15%
Total Capital Ratio 16.9%
+0.8pp YoY
+0.4pp QoQ
 -3.0pp 19.9% 21.3% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 31
+4 (+14.8%) YoY
+2 (+6.9%) QoQ
 -28 58 105 482 28%
Assets per Employee ($) $8.4M
-13.9% YoY
-9.4% QoQ
 +$860K $7.5M $6.3M $8.8M 72%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.7%
-1.0pp YoY
-0.9pp QoQ
 +0.3pp 0.3% 0.3% 0.4% 86%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 35%
Allowance Coverage 1.35x
+121.0% YoY
+113.8% QoQ
 -22.81x 24.15x 7.45x 20.23x 36%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 6.6%
+2.2pp YoY
+0.6pp QoQ
 -5.6pp 12.2% 13.3% 11.6% 19%
Cost of Funds (YTD) 2.3%
-0.1pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 83%
Net Income ($, YTD) $636,000
+82.2% YoY
— QoQ
 -$1.9M $2.6M $5.1M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#21 of 529 • Bottom 3.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.48%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#235 of 535 • Bottom 43.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

348
Loan-to-Deposit Ratio
liquidity
Value: 55.71%
Peer Median: 77.95%
#348 of 2643 Top 13.1% in $100M-$1B

Top Weaknesses (5 metrics)

2617
Net Interest Margin
profitability
Value: 2.08%
Peer Median: 3.99%
#2617 of 2643 Bottom 1.0% in $100M-$1B
2335
Return on Assets
profitability
Value: 0.48%
Peer Median: 1.32%
#2335 of 2643 Bottom 11.7% in $100M-$1B
2233
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2233 of 2643 Bottom 15.6% in $100M-$1B
2039
Efficiency Ratio
profitability
Value: 73.40%
Peer Median: 64.48%
#2039 of 2643 Bottom 22.9% in $100M-$1B
1996
Total Loans
size
Value: $117.76M
Peer Median: $258.35M
#1996 of 2643 Bottom 24.5% in $100M-$1B
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