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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Campbellsville, KY · FDIC certificate #15590
TAYLOR COUNTY BANK is an FDIC-insured institution based in Campbellsville, KY (FDIC certificate #15590). In its Q3 2026 Call Report it reported total assets of $237M, total deposits of $212M and net loans of $164M. Its primary federal regulator is FDIC.
Plain-language readout
TAYLOR COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $249M in Q1 2026 and were lowest at $237M in Q3 2026.
Total deposits were highest at $222M in Q1 2026 and lowest at $212M in Q3 2026.
Over the whole period total assets fell 4.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $237M | $212M | $164M | 1.86% | 18.20% | 4.39% |
| Q2 2026 | $244M | $217M | $164M | 1.57% | 15.34% | 4.28% |
| Q1 2026 | $249M | $222M | $167M | 1.92% | 18.82% | 4.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.0M | $26.7M | -$2.7M | -10.2% |
| Federal funds sold | $4.6M | $4.0M | +$530K | +13.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $45.7M | $46.1M | -$354K | -0.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $164.3M | $166.7M | -$2.3M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.2M | -$41K | -1.9% |
| Other real estate owned | $683K | $683K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.4M | $2.4M | +$43K | +1.8% |
| Total assets | $243.8M | $248.7M | -$4.9M | -2.0% |
| Liabilities | ||||
| Total deposits | $217.3M | $221.7M | -$4.5M | -2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.5M | -$305K | -20.6% |
| Total liabilities | $218.4M | $223.2M | -$4.8M | -2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $280K | $280K | $0K | 0.0% |
| Surplus | $18.4M | $18.4M | $0K | 0.0% |
| Retained earnings | $13.2M | $13.4M | -$175K | -1.3% |
| Accumulated other comprehensive income | -$6.5M | -$6.6M | +$68K | +1.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.4M | $25.5M | -$107K | -0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.3M | $2.3M | -$52K | -2.2% |
| Adjusted nonperforming assets | $2.3M | $2.3M | -$52K | -2.2% |
| Tangible equity plus allowance | $26.9M | $27.1M | -$241K | -0.9% |
| Texas ratio (gross) | 8.54% | 8.65% | -0.12 pts | See points |
| Texas ratio (adjusted) | 8.54% | 8.65% | -0.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 10.85% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.86% | 12.96% | -0.10 pts | See points |
| Construction and land loans to total capital | 30.16% | 29.44% | +0.71 pts | See points |
| Commercial real estate to total capital | 98.56% | 98.45% | +0.11 pts | See points |
| Dividend payout, year to date | 47.90% | 0.00% | +47.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -20.45% | -20.55% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $198.5M | $200.3M | -$1.8M | -0.9% |
| Non-core funding | $18.8M | $21.4M | -$2.6M | -12.3% |
| Loans to core deposits | 83.55% | 84.02% | -0.47 pts | See points |
| Loans to deposits | 76.33% | 75.91% | +0.42 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.48% | 51.65% | +2.82 pts | See points |
| Loans pledged, share of loans | 30.36% | 30.68% | -0.32 pts | See points |
| Volatile liabilities | $18.8M | $21.4M | -$2.6M | -12.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.3M | +$1.3M | +101.7% |
| Earnings before provision, single quarter | $1.3M | $1.3M | +$22K | +1.7% |
| Provision for credit losses, year to date | $661K | $105K | +$556K | +529.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 6.79% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 2.99% | 2.35% | +0.64 pts | See points |
| Total interest income to average assets | 5.60% | 5.65% | -0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.68% | 0.60% | +0.08 pts | See points |
| Cost of savings and money market deposits | 1.68% | 1.68% | +0.01 pts | See points |
| Cost of time deposits | 3.69% | 3.78% | -0.09 pts | See points |
| Total interest expense to average assets | 1.48% | 1.57% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $237M | $212M | $164M | 1.86% | 18.20% | 4.39% |
| 2026-06-30 | $244M | $217M | $164M | 1.57% | 15.34% | 4.28% |
| 2026-03-31 | $249M | $222M | $167M | 1.92% | 18.82% | 4.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $222.2M | 0.18% | 85 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.