Peer Analysis

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Performance Ratios (%) KTYB Peer Median Peer Average
ROAA 1.17 1.02 0.94
ROAE 11.35 9.97 8.43
Net Interest Margin 3.54 3.76 3.63
Efficiency Ratio 70.99 67.99 74.25
Loans / Deposits 88.31 87.24 89.53
Asset Quality Ratios (%)
NPAs / Assets 0.23 1.07 1.61
NCOs / Avg Loans 0.12 0.12 0.18
Reserves / Loans 1.12 1.13 1.07
Reserves / NPAs 339.05 60.87 96.85
Capital Ratios (%)
Tier 1 Capital NA 14.45 13.89
Tangible Equity / Tangible Assets 9.64 9.77 9.28
Total Equity / Total Assets 10.82 9.99 9.83
Market Ratios
Price / Earnings (x) 11.00 12.34 12.26
Price / Book (%) 117.10 111.98 114.34
Dividend Yield (%) 2.93 2.23 2.02
Data for trailing four quarters

Kentucky Bancshares, Inc.'s peer group consists of the following: Boyle Bancorp, Inc. (BYLB), Camco Financial Corporation (CAFI), Citizens First Corporation (CZFC), FCB Bancorp, Inc., First Financial Service Corporation (FFKY), Peoples Bancorp Inc. (PEBO), Premier Financial Bancorp, Inc. (PFBI), Your Community Bankshares, Inc. (YCB)

Kentucky Bancshares, Inc.'s financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

First Financial Service Corporation's financial data is as of 9/30/2014.
Boyle Bancorp, Inc.'s financial data is as of 6/30/2019.
Your Community Bankshares, Inc.'s financial data is as of 6/30/2016.
Camco Financial Corporation's financial data is as of 12/31/2013.
Citizens First Corporation's financial data is as of 3/31/2019.
FCB Bancorp, Inc.'s financial data is as of 12/31/2016.