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Bank of Maysville

$100M-$1B Specialty: Other KY FDIC cert 9315

Maysville, 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 -3.1% year over year ($133.7M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.45%.
  • Efficiency ratio 56.26% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.50% 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 Maysville has 3 strengths but faces 4 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 0.13% above tier average
  • + Efficiency Ratio 8.22% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.5% in tier
  • - Deposit Outflow: Bottom 16.3% in tier
  • - Liquidity Overhang: Bottom 18.1% in tier
  • - Net Interest Margin 0.14% below tier average
Get updates when Bank of Maysville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $164.0M
-2.0% YoY +0.1% QoQ
-$222.6M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $86.3M
-1.2% YoY -1.6% QoQ
-$172.1M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 13.1% in tier
Total Deposits ? $133.7M
-3.1% YoY -0.5% QoQ
-$193.0M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.45%
+24.3% YoY +5.8% QoQ
+0.13% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.85%
+12.1% YoY +2.3% QoQ
-0.14% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 56.26%
-6.4% YoY -3.1% QoQ
-8.22% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.12%
+60.1% YoY -23.6% QoQ
-0.80% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 64.50%
+2.0% YoY -1.1% QoQ
-13.45% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 17.45%
-9.9% YoY -7.9% QoQ
-4.58% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.06%
+61.5% YoY -24.9% QoQ
-0.60% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 30.26%
+8.0% YoY +3.1% QoQ
+14.35% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 3.9% in tier
Non-Interest Income / Assets ? 0.21%
+4.6% YoY +106.0% QoQ
-0.36% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
52%

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 17.5%
-1.9pp YoY
-1.5pp QoQ
 -4.7pp 22.1% 23.5% 22.2% 33%
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 0.7%
-0.1pp YoY
0.0pp QoQ
 -10.8pp 11.6% 8.6% 12.5% 3%
CRE 35.8%
-4.3pp YoY
-2.2pp QoQ
 -3.8pp 39.5% 37.1% 41.4% 44%
1-4 Family 51.6%
+3.2pp YoY
+1.7pp QoQ
 +19.0pp 32.6% 41.6% 31.3% 84%
Consumer 1.3%
-0.2pp YoY
-0.1pp QoQ
 -2.8pp 4.1% 4.8% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 30.3%
+2.2pp YoY
+0.9pp QoQ
 +11.4pp 18.8% 20.2% 19.7% 93%
Leverage Ratio 16.9%
+1.0pp YoY
-0.1pp QoQ
 +4.8pp 12.2% 14.0% 12.6% 93%
Total Capital Ratio 31.1%
+2.3pp YoY
+0.9pp QoQ
 +11.1pp 19.9% 21.3% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 26
0 YoY
0 QoQ
 -33 58 105 482 21%
Assets per Employee ($) $6.3M
-2.0% YoY
+0.1% QoQ
 -$1.2M $7.5M $6.3M $8.8M 39%
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 n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 21%
Allowance Coverage 6.95x
-33.8% YoY
+34.8% QoQ
 -17.20x 24.15x 7.45x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 8.4%
+0.9pp YoY
+0.4pp QoQ
 -3.8pp 12.2% 13.3% 11.6% 27%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.7% 1.7% 2%
Net Income ($, YTD) $1.2M
+23.8% YoY
— QoQ
 -$1.4M $2.6M $5.1M $40.4M 32%

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)

Credit Quality Pressure

risk
#146 of 1256 • Bottom 11.5% in tier

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

Why this signature
Delinquency Rate: 0.12%
(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

Deposit Outflow

decline
#88 of 535 • Bottom 16.3% 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

Liquidity Overhang

risk
#135 of 742 • Bottom 18.1% 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: 30.26%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 64.50%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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 (3 metrics)

105
Tier 1 Capital Ratio
capital
Value: 30.26%
Peer Median: 15.91%
#105 of 2643 Top 3.9% in $100M-$1B
606
Loan-to-Deposit Ratio
liquidity
Value: 64.50%
Peer Median: 77.95%
#606 of 2643 Top 22.9% in $100M-$1B
626
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#626 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2297
Total Loans
size
Value: $86.25M
Peer Median: $258.35M
#2297 of 2643 Bottom 13.1% in $100M-$1B
2213
Total Deposits
size
Value: $133.73M
Peer Median: $326.73M
#2213 of 2643 Bottom 16.3% in $100M-$1B
2172
Total Assets
size
Value: $163.99M
Peer Median: $386.57M
#2172 of 2643 Bottom 17.9% in $100M-$1B
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