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Bank of Lexington, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 58164

Lexington, KY

4 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 -16.5% year over year ($322.2M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.21%.
  • Efficiency ratio 58.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.74% 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 Lexington, Inc. has 2 strengths but faces 5 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

  • + Efficiency Ratio 5.93% below tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 2.2% in tier
  • - Liquidity Overhang: Bottom 27.2% in tier
  • - Capital Constraint: Bottom 60.8% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when Bank of Lexington, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $410.8M
-5.5% YoY +2.9% QoQ
+$24.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $321.3M
+9.1% YoY +2.6% QoQ
+$63.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $322.2M
-16.5% YoY -5.6% QoQ
-$4.6M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.21%
-3.9% YoY -12.1% QoQ
-0.11% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.87%
+2.4% YoY -4.1% QoQ
-0.12% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 58.55%
+5.6% YoY +7.1% QoQ
-5.93% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.01%
-92.4% YoY
-0.91% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 14.9% in tier
Loan-to-Deposit Ratio ? 99.74%
+30.6% YoY +8.7% QoQ
+21.79% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 10.5% in tier
Non-Interest-Bearing Deposit Share ? 25.47%
-44.4% YoY -20.1% QoQ
+3.44% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.01%
-91.2% YoY
-0.66% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Top 13.9% in tier
Tier 1 Capital Ratio ? 16.25%
+3.9% YoY -0.5% QoQ
+0.34% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.13%
+9.6% YoY +110.6% QoQ
-0.44% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
27%

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 25.5%
-20.3pp YoY
-6.4pp QoQ
 +3.3pp 22.1% 23.5% 22.2% 67%
Brokered Deposits 6.7%
+2.1pp YoY
+1.3pp QoQ
 -1.1pp 7.9% 5.4% 8.5% 62%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 3.0%
-0.4pp YoY
-0.1pp QoQ
 -8.5pp 11.6% 8.6% 12.5% 10%
CRE 45.6%
+1.4pp YoY
+1.4pp QoQ
 +6.0pp 39.5% 37.1% 41.4% 63%
1-4 Family 50.0%
-0.9pp YoY
-1.3pp QoQ
 +17.4pp 32.6% 41.6% 31.3% 82%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.8% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 16.2%
+0.6pp YoY
-0.1pp QoQ
 -2.6pp 18.8% 20.2% 19.7% 59%
Leverage Ratio 11.5%
+2.0pp YoY
+0.4pp QoQ
 -0.7pp 12.2% 14.0% 12.6% 58%
Total Capital Ratio 16.9%
+0.6pp YoY
-0.1pp QoQ
 -3.1pp 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 48
+4 (+9.1%) YoY
+1 (+2.1%) QoQ
 -11 58 105 482 50%
Assets per Employee ($) $8.6M
-13.3% YoY
+0.7% QoQ
 +$1.0M $7.5M $6.3M $8.8M 75%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

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 0.0% -0.9pp 0.9% 0.8% 1.0% 4%
Allowance Coverage 41.07x
+1140.5% YoY
 +16.92x 24.15x 7.45x 20.23x 93%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 11.1%
-2.4pp YoY
-1.5pp QoQ
 -1.1pp 12.2% 13.3% 11.6% 43%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
+0.2pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 65%
Net Income ($, YTD) $2.4M
-6.8% YoY
— QoQ
 -$113K $2.6M $5.1M $40.4M 61%

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 (3)

Deposit Outflow

decline
#13 of 535 • Bottom 2.2% 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 | QoQ rank declining

Liquidity Overhang

risk
#203 of 742 • Bottom 27.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.25%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 99.74%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Capital Constraint

risk
#66 of 107 • Bottom 60.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 99.74%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 16.25%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

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)

368
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#368 of 2643 Top 13.9% in $100M-$1B
393
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#393 of 2633 Top 14.9% in $100M-$1B

Top Weaknesses (1 metrics)

2366
Loan-to-Deposit Ratio
liquidity
Value: 99.74%
Peer Median: 77.95%
#2366 of 2643 Bottom 10.5% in $100M-$1B
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