Bank of Lexington, Inc.: 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 Loan-to-deposit ratio: 8.01 percentage points higher than in Q1 2026, at 100.28%. Bank of Lexington, Inc. ranks 84th of 119 Kentucky banks on return on assets, in the lower half at 1.06% (Q2 2026). Bank of Lexington, Inc. reported 1.06% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.25% |
| Tier 1 risk-based capital ratio | 16.25% |
| Total risk-based capital ratio | 16.88% |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 10.95% |
| Tangible equity to tangible assets | 10.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.09% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 4107.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.55% |
| Net interest margin | 3.74% |
| Efficiency ratio | 62.66% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.28% |
| Core deposits to total deposits | 86.16% |
| Brokered deposits to total deposits | 6.71% |
| Deposits to assets | 78.42% |
| Securities to assets | 2.81% |
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 | 17.55% | 17.55% | 18.26% | 10.36% | 1.78% |
| Q4 2023 | 17.85% | 17.85% | 18.58% | 10.89% | 1.13% |
| Q1 2024 | 18.14% | 18.14% | 18.88% | 11.86% | 0.92% |
| Q2 2024 | 16.84% | 16.84% | 17.55% | 11.52% | 0.68% |
| Q3 2024 | 16.18% | 16.18% | 16.86% | 11.35% | 0.67% |
| Q4 2024 | 15.85% | 15.85% | 16.53% | 11.10% | 0.54% |
| Q1 2025 | 14.92% | 14.92% | 15.56% | 8.75% | 1.06% |
| Q2 2025 | 15.64% | 15.64% | 16.30% | 9.50% | 1.28% |
| Q3 2025 | 16.16% | 16.16% | 16.82% | 9.93% | 1.58% |
| Q4 2025 | 16.56% | 16.56% | 17.22% | 10.40% | 1.50% |
| Q1 2026 | 16.33% | 16.33% | 16.97% | 11.12% | 1.35% |
| Q2 2026 | 16.25% | 16.25% | 16.88% | 11.50% | 1.06% |
Bank of Lexington, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lexington, Inc., 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 Lexington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58164) · FFIEC NIC profile (RSSD 3410141)