Bank of Lexington, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Lexington, Inc. of Lexington, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.06% | 1.34% | -0.28% | 37th below |
| ROAE | 9.55% | 13.32% | -3.77% | 33rd below |
| Net Interest Margin | 3.74% | 3.93% | -0.19% | 39th below |
| Efficiency Ratio | 62.66% | 61.14% | +1.52% | 46th below |
| PPNR / Avg Assets | 1.41% | 1.68% | -0.27% | 39th below |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 2.23% | 1.88% | +0.35% | 24th bottom |
| Net Interest Spread | 2.77% | 3.32% | -0.55% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 4107.14% | 1537.55% | +2569.59% | — |
| Texas Ratio | 0.09% | 7.33% | -7.24% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 900.00% | 1395.79% | -495.79% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.25% | 19.50% | -3.25% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.25% | 19.54% | -3.29% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.88% | 20.62% | -3.74% | 56th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.50% | 12.14% | -0.64% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.95% | 11.37% | -0.42% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.95% | 11.09% | -0.14% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.28% | 80.63% | +19.65% | 11th bottom |
| Core Deposit Ratio | 86.16% | 86.86% | -0.70% | 35th below |
| Wholesale Funding Ratio | 8.52% | 5.03% | +3.49% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.46% | 6.86% | -12.32% | 4th bottom |
| Loan Growth (Y/Y) | 9.05% | 7.90% | +1.15% | 70th above |
| Deposit Growth (Y/Y) | -16.48% | 6.30% | -22.78% | 1st bottom |
See Bank of Lexington, Inc.'s peers by name
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Unlock Bank of Lexington, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Lexington, Inc. profile, how to read a UBPR, or how this data updates.