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Owingsville Banking Company

$100M-$1B Specialty: Agricultural KY FDIC cert 9672

Owingsville, 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 +3.6% year over year ($92.3M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 0.60%.
  • Efficiency ratio 80.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.84% 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) →

Owingsville Banking Company has 2 strengths but faces 3 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

  • + Net Interest Margin 0.27% above tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 2.5% in tier
  • - Capital Thin: Bottom 33.9% in tier
  • - ROA 0.73% below tier average
Get updates when Owingsville 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 ? $104.1M
+4.2% YoY +2.7% QoQ
-$282.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 0.9% in tier
Total Loans ? $77.4M
+5.2% YoY +2.6% QoQ
-$181.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 9.3% in tier
Total Deposits ? $92.3M
+3.6% YoY +2.9% QoQ
-$234.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 3.2% in tier
Return on Assets ? 0.60%
-35.6% YoY -7.8% QoQ
-0.73% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 14.9% in tier
Net Interest Margin ? 4.25%
-3.4% YoY +0.7% QoQ
+0.27% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 80.32%
+14.0% YoY +1.6% QoQ
+15.84% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 13.4% in tier
Delinquency Rate ? 0.29%
-14.8% YoY -54.0% QoQ
-0.63% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 83.84%
+1.5% YoY -0.3% QoQ
+5.89% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 21.90%
+3.4% YoY +1.6% QoQ
-0.13% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.21%
-14.0% YoY -54.1% QoQ
-0.45% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 10.02%
+3.1% YoY -0.9% QoQ
-5.89% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 11.0% in tier
Non-Interest Income / Assets ? 0.15%
-4.6% YoY +99.8% QoQ
-0.41% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
35%

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 21.9%
+0.7pp YoY
+0.4pp QoQ
 -0.2pp 22.1% 23.5% 22.2% 54%
Brokered Deposits 6.5%
-2.5pp YoY
-0.2pp QoQ
 -1.4pp 7.9% 5.4% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 1.1%
-0.5pp YoY
0.0pp QoQ
 -10.5pp 11.6% 8.6% 12.5% 4%
CRE 7.2%
+1.4pp YoY
+0.7pp QoQ
 -32.3pp 39.5% 37.1% 41.4% 2%
1-4 Family 28.9%
-3.6pp YoY
-1.7pp QoQ
 -3.7pp 32.6% 41.6% 31.3% 49%
Consumer 4.2%
-0.1pp YoY
-0.2pp QoQ
 +0.1pp 4.1% 4.8% 5.0% 72%

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 10.0%
+0.3pp YoY
-0.1pp QoQ
 -2.2pp 12.2% 14.0% 12.6% 32%
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 25
0 YoY
0 QoQ
 -34 58 105 482 19%
Assets per Employee ($) $4.2M
+4.2% YoY
+2.7% QoQ
 -$3.4M $7.5M $6.3M $8.8M 6%
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 0.2%
+0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 68%
Nonaccrual 0.1%
-0.3pp YoY
-0.2pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 14%
Allowance Coverage 3.83x
+7.7% YoY
+113.6% QoQ
 -20.33x 24.15x 7.45x 20.23x 64%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 6.7%
-4.9pp YoY
-0.6pp QoQ
 -5.5pp 12.2% 13.3% 11.6% 19%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $305,000
-32.4% YoY
— QoQ
 -$2.3M $2.6M $5.1M $40.4M 7%

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)

Efficiency Drag

risk
#10 of 361 • Bottom 2.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.32%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Capital Thin

risk
#225 of 661 • Bottom 33.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.02%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2619
Total Assets
size
Value: $104.06M
Peer Median: $386.57M
#2619 of 2643 Bottom 0.9% in $100M-$1B
2559
Total Deposits
size
Value: $92.30M
Peer Median: $326.73M
#2559 of 2643 Bottom 3.2% in $100M-$1B
2397
Total Loans
size
Value: $77.38M
Peer Median: $258.35M
#2397 of 2643 Bottom 9.3% in $100M-$1B
2354
Tier 1 Capital Ratio
capital
Value: 10.02%
Peer Median: 15.91%
#2354 of 2643 Bottom 11.0% in $100M-$1B
2291
Efficiency Ratio
profitability
Value: 80.32%
Peer Median: 64.48%
#2291 of 2643 Bottom 13.4% in $100M-$1B
2249
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2249 of 2643 Bottom 14.9% in $100M-$1B
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