Bank of Lexington Inc.
Lexington, KY·RSSD 3410141·FDIC 58164·bank:3410141·Risk-based ratios where reported
- #50 of 120Total assets in Kentucky
- 4offices
- 48employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bank of Lexington Inc.
10 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal25.5%peers 20.5%+4.9 pp
Bank of Lexington Inc.'s noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 25.5% | 20.5% | +4.9 pp |
| Time deposits' share of deposits | ||
| 38.3% | 30.1% | +8.2 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lexington Inc. itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter100.3%+23.5 pp in 12 months
Bank of Lexington Inc.'s loans rose to 100.3% of deposits, 23.5 percentage points higher than a year earlier, while cash fell to 13.3% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 100.3% | +23.5 pp in 12 months |
| Cash / assets | |
| 13.3% | -11.0 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lexington Inc. itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter11.50%peers 10.81%+0.7 pp
Bank of Lexington Inc.'s leverage ratio rose 2.0 percentage points over the past year to 11.50%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.50% | 10.81% | +0.7 pp |
| 12-month change | ||
| +2.0 pp | +0.2 pp | +1.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lexington Inc. itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency62.7%peers 60.8%+1.9 pp
Bank of Lexington Inc.'s efficiency ratio rose 8.2 percentage points over the past year to 62.7%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 62.7% | 60.8% | +1.9 pp |
| 12-month change | ||
| +8.2 pp | -2.1 pp | +10.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lexington Inc. itself is left out of every peer median and percentile. How signals work
6 more observations
- Funding pressure buildingFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Reliance on CDs rising while the peer median fallsFunding
- Borrowed funding rising while the peer median holds steadyFunding
- Deposits shrinking while the peer median growsFunding
- Deposit costs rising while the peer median fallsFunding
Key facts
- Bank of Lexington Inc. is a bank headquartered in Lexington, Kentucky. It reported $411 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $322 million, down 16.5% from a year earlier, and loans totaled $323 million, up 9.0%.
- Its net interest margin was 3.74% and its annualized return on assets was 1.05% for the quarter.
- Its cost of all deposits was 2.06%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank of Lexington Inc.'s own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- Bank of Lexington Inc. · Bank
- Federal Reserve RSSD
- 3410141
- FDIC certificate
- 58164
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bank of Lexington Inc. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.07M | — | |
| $5.47M | — | |
| $1.97M | — | |
| $3.51M | — | |
| $281K | — | |
| $2.37M | — | |
| $27K | — | |
| $15K | — | |
| 1.05% | 1.05%ROAQ · Quarter | |
| 3.74% | 3.73%NIMYQ · Quarter | |
| 62.66% | 62.66%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.