Bank of Lexington, Inc.: how it compares with its peers
Against 62 KY banks with half to twice its assets, Bank of Lexington, Inc.'s strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $5.9M peer median). Its weakest relative measure is return on assets (1.21% vs. 1.32%).
| Measure | Bank of Lexington, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.32% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.95% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.55% | 58.80% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $5.9M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.74% | 83.52% | Context |
What it means for lending operations
Its efficiency ratio of 58.55% is better than the 58.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of the Bluegrass and Trust Company Lexington, KY · $407M
- First State Bank Irvington, KY · $402M
- Cumberland Security Bank, Inc. Somerset, KY · $420M
- Town & Country Bank and Trust Company Bardstown, KY · $434M
- Citizens Bank & Trust Company Campbellsville, KY · $383M
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
Questions about Bank of Lexington, Inc.
How big is Bank of Lexington, Inc.?
Bank of Lexington, Inc., established in 2006, is headquartered in Lexington, KY. It reported $411M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Lexington, Inc.'s return on assets?
1.21% annualized in Q2 2026, against a 1.32% median for 62 KY banks with half to twice its assets, ahead of 37% of them.
What is Bank of Lexington, Inc.'s efficiency ratio?
58.55% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is Bank of Lexington, Inc. growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits shrank 16.5%.
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.