Bank of Hindman: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 28.27 percentage points higher than in Q1 2026, at 282.33%. Bank of Hindman has the 11th lowest return on assets of the 119 banks headquartered in Kentucky, at 0.50% as of Q2 2026. Bank of Hindman's return on assets of 0.50% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.95% |
| Tier 1 risk-based capital ratio | 15.95% |
| Total risk-based capital ratio | 16.93% |
| Tier 1 leverage ratio | 9.19% |
| Equity capital to assets | 7.51% |
| Tangible equity to tangible assets | 5.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 7.78% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 282.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 7.19% |
| Net interest margin | 2.07% |
| Efficiency ratio | 69.54% |
| Yield on earning assets | 4.19% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.40% |
| Core deposits to total deposits | 85.62% |
| Brokered deposits to total deposits | 0.49% |
| Deposits to assets | 81.38% |
| Securities to assets | 43.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.59% | 14.59% | 15.59% | 8.81% | 0.35% |
| Q4 2023 | 15.19% | 15.19% | 16.20% | 8.89% | 0.25% |
| Q1 2024 | 15.30% | 15.30% | 16.30% | 8.99% | 0.14% |
| Q2 2024 | 15.16% | 15.16% | 16.15% | 8.99% | 0.07% |
| Q3 2024 | 15.01% | 15.01% | 15.98% | 9.12% | 0.18% |
| Q4 2024 | 15.05% | 15.05% | 16.00% | 9.15% | 0.32% |
| Q1 2025 | 15.20% | 15.20% | 16.17% | 9.13% | 0.23% |
| Q2 2025 | 15.15% | 15.15% | 16.11% | 9.11% | 0.28% |
| Q3 2025 | 15.54% | 15.54% | 16.51% | 9.29% | 0.45% |
| Q4 2025 | 15.24% | 15.24% | 16.19% | 9.10% | 0.39% |
| Q1 2026 | 15.63% | 15.63% | 16.56% | 9.08% | 0.42% |
| Q2 2026 | 15.95% | 15.95% | 16.93% | 9.19% | 0.50% |
Bank of Hindman vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hindman, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Hindman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 289) · FFIEC NIC profile (RSSD 763211)