Bank of Hindman: how it compares with its peers
Against 63 KY banks with half to twice its assets, Bank of Hindman's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (2.08% vs. 4.03%).
| Measure | Bank of Hindman | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.48% | 1.41% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.08% | 4.03% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.40% | 59.47% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.0M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.71% | 83.38% | Context |
What it means for lending operations
Its efficiency ratio of 73.40% is above the 59.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FIRST NATIONAL BANK OF KENTUCKY Carrollton, KY · $258M
- Bank of Jamestown Jamestown, KY · $264M
- Citizens Bank Mount Vernon, KY · $250M
- Farmers Bank and Trust Company Princeton, KY · $248M
- Lewisburg Banking Company Lewisburg, KY · $246M
- Taylor County Bank Campbellsville, KY · $244M
Questions about Bank of Hindman
How big is Bank of Hindman?
Bank of Hindman, established in 1903, is headquartered in Hindman, KY. It reported $260M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Hindman's return on assets?
0.48% annualized in Q2 2026, against a 1.41% median for 63 KY banks with half to twice its assets, ahead of 5% of them.
What is Bank of Hindman's efficiency ratio?
73.40% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 59.47%, and lower is better.
Is Bank of Hindman growing its loans?
Net loans shrank 2.8% over the year to Q2 2026, while deposits shrank 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.