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Lewisburg Banking Company

$100M-$1B Specialty: Other KY FDIC cert 297

Lewisburg, KY

5 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 +20.1% year over year ($210.1M on the books).
  • Delinquency rate 0.48%.
  • Return on assets 1.85%.
  • Efficiency ratio 56.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.85% 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) →

Lewisburg Banking Company has 4 strengths but faces 2 concerns

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

  • + ROA 0.52% above tier average
  • + Net Interest Margin 0.11% above tier average
  • + Efficiency Ratio 8.14% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.7% in tier
  • - Credit Risk Growth: Bottom 41.0% in tier
Get updates when Lewisburg Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $246.1M
+12.4% YoY +4.8% QoQ
-$140.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $161.5M
+10.2% YoY +1.7% QoQ
-$96.9M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $210.1M
+20.1% YoY +10.9% QoQ
-$116.6M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.85%
+12.0% YoY +4.0% QoQ
+0.52% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.10%
+1.6% YoY +1.7% QoQ
+0.11% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 56.33%
-7.4% YoY -3.1% QoQ
-8.14% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.48%
+6.1% YoY -8.2% QoQ
-0.44% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 76.85%
-8.2% YoY -8.2% QoQ
-1.10% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 32.13%
+8.9% YoY +16.9% QoQ
+10.10% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 14.2% in tier
Nonperforming Asset Ratio ? 0.32%
-16.6% YoY -10.9% QoQ
-0.35% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 9.05%
+0.5% YoY +0.9% QoQ
-6.86% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 1.2% in tier
Non-Interest Income / Assets ? 0.21%
-6.1% YoY +115.1% QoQ
-0.36% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
53%

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 32.1%
+2.6pp YoY
+4.6pp QoQ
 +10.0pp 22.1% 23.5% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 4.5%
-0.3pp YoY
+0.1pp QoQ
 -7.0pp 11.6% 8.6% 12.5% 17%
CRE 20.2%
-2.2pp YoY
-1.7pp QoQ
 -19.3pp 39.5% 37.1% 41.4% 18%
1-4 Family 54.3%
+1.6pp YoY
+0.1pp QoQ
 +21.7pp 32.6% 41.6% 31.3% 86%
Consumer 4.6%
-1.2pp YoY
-0.2pp QoQ
 +0.5pp 4.1% 4.8% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.0%
0.0pp YoY
+0.1pp QoQ
 -3.1pp 12.2% 14.0% 12.6% 13%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 38
0 YoY
0 QoQ
 -21 58 105 482 39%
Assets per Employee ($) $6.5M
+12.4% YoY
+4.8% QoQ
 -$1.0M $7.5M $6.3M $8.8M 42%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 52%
Allowance Coverage 2.33x
-6.1% YoY
+9.0% QoQ
 -21.83x 24.15x 7.45x 20.23x 52%
Net Charge-off Rate (YTD) -0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 23.1%
+1.4pp YoY
+1.4pp QoQ
 +10.9pp 12.2% 13.3% 11.6% 94%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 42%
Net Income ($, YTD) $2.2M
+25.3% YoY
— QoQ
 -$389K $2.6M $5.1M $40.4M 56%

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)

Credit Quality Pressure

risk
#273 of 1256 • Bottom 21.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.48%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#385 of 936 • Bottom 41.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 (2 metrics)

375
Non-Interest-Bearing Deposit Share
funding
Value: 32.13%
Peer Median: 22.03%
#375 of 2643 Top 14.2% in $100M-$1B
478
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#478 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (1 metrics)

2612
Tier 1 Capital Ratio
capital
Value: 9.05%
Peer Median: 15.91%
#2612 of 2643 Bottom 1.2% in $100M-$1B
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