Peer Analysis

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Performance Ratios (%) KTYB Peer Median Peer Average
ROAA 1.18 1.01 0.91
ROAE 12.36 10.12 8.36
Net Interest Margin 3.70 3.72 3.60
Efficiency Ratio 68.78 67.74 74.80
Loans / Deposits 80.68 87.92 88.14
Asset Quality Ratios (%)
NPAs / Assets 0.18 1.03 1.55
NCOs / Avg Loans 0.01 0.15 0.18
Reserves / Loans 1.18 1.14 1.04
Reserves / NPAs 412.33 77.85 109.40
Capital Ratios (%)
Tier 1 Capital 14.30 13.53 13.48
Tangible Equity / Tangible Assets 8.64 9.41 8.88
Total Equity / Total Assets 9.83 10.51 9.68
Market Ratios
Price / Earnings (x) 11.72 13.19 12.61
Price / Book (%) 136.62 116.74 116.90
Dividend Yield (%) 2.78 1.40 1.95
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), Citizens National Corporation (CZNL), FCB Bancorp, Inc. (FCBE), 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 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

First Financial Service Corporation's financial data is as of 9/30/2014.
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.
FCB Bancorp, Inc.'s financial data is as of 12/31/2016.