Owingsville Banking Company: 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: 1331.64 percentage points higher than in Q1 2026, at 1740.82%. Within Kentucky, Owingsville Banking Company is 107th of 119 on return on assets, 0.56% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Owingsville Banking Company reported 0.56% on return on assets in Q2 2026, 0.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.20% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 1740.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 6.13% |
| Net interest margin | 4.24% |
| Efficiency ratio | 80.89% |
| Yield on earning assets | 6.40% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.76% |
| Core deposits to total deposits | 91.70% |
| Brokered deposits to total deposits | 6.50% |
| Deposits to assets | 88.69% |
| Securities to assets | 13.49% |
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 | 9.51% | 0.86% | 4.53% | 0.95% | 0.15% |
| Q4 2023 | 9.09% | 0.62% | 4.99% | 0.67% | 0.14% |
| Q1 2024 | 9.17% | 0.83% | 4.40% | 0.53% | 0.11% |
| Q2 2024 | 9.34% | 1.06% | 4.45% | 0.32% | 0.00% |
| Q3 2024 | 9.40% | 0.84% | 4.40% | 0.36% | 0.03% |
| Q4 2024 | 9.58% | 0.73% | 4.66% | 0.28% | 0.05% |
| Q1 2025 | 9.80% | 1.12% | 4.38% | 0.26% | 0.03% |
| Q2 2025 | 9.71% | 0.78% | 4.42% | 0.33% | 0.02% |
| Q3 2025 | 9.73% | 1.08% | 4.55% | 0.31% | 0.03% |
| Q4 2025 | 10.00% | 0.81% | 4.54% | 0.22% | 0.26% |
| Q1 2026 | 10.11% | 0.67% | 4.26% | 0.27% | 0.01% |
| Q2 2026 | 10.02% | 0.56% | 4.24% | 0.06% | -0.01% |
Owingsville Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Owingsville Banking Company, 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 Owingsville Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9672) · FFIEC NIC profile (RSSD 492810)