Century Bank of Kentucky, 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 Reserve coverage of non-performing loans: 2.38 percentage points higher than in Q1 2026, at 212.52%. On return on assets, Century Bank of Kentucky, Inc. ranks 7th highest among the 119 banks headquartered in Kentucky, at 2.23% (Q2 2026). Century Bank of Kentucky, Inc.'s return on assets of 2.23% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.98 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.41% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.98% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 212.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.23% |
| Return on equity | 24.29% |
| Net interest margin | 4.07% |
| Efficiency ratio | 49.20% |
| Yield on earning assets | 5.66% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Core deposits to total deposits | 95.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.34% |
| Securities to assets | 25.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.24% | 1.04% | 3.05% | 1.35% | 0.00% |
| Q4 2023 | 9.57% | 1.05% | 3.09% | 1.31% | 0.03% |
| Q1 2024 | 9.81% | 1.21% | 3.02% | 1.35% | 0.02% |
| Q2 2024 | 9.95% | 1.15% | 3.09% | 1.31% | 0.00% |
| Q3 2024 | 10.00% | 1.43% | 3.12% | 1.31% | 0.00% |
| Q4 2024 | 9.68% | 1.55% | 3.29% | 1.43% | 0.00% |
| Q1 2025 | 9.75% | 1.51% | 3.35% | 1.38% | 0.01% |
| Q2 2025 | 10.03% | 1.38% | 3.45% | 1.27% | -0.00% |
| Q3 2025 | 9.83% | 1.46% | 3.67% | 1.20% | 0.01% |
| Q4 2025 | 9.63% | 2.65% | 4.32% | 0.46% | 0.00% |
| Q1 2026 | 10.02% | 2.07% | 3.88% | 0.45% | 0.00% |
| Q2 2026 | 10.41% | 2.23% | 4.07% | 0.44% | 0.01% |
Century Bank of Kentucky, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Kentucky, 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 Century Bank of Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35450) · FFIEC NIC profile (RSSD 2920287)