BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
KY
FDIC cert 12149
Designations: ✓ Community bank
Irvington, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
First State Bank shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.66% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$366.6M
+9.7% YoY
+4.1% QoQ
|
+$149.1M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$284.0M
+9.9% YoY
+3.9% QoQ
|
+$144.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$315.0M
+8.7% YoY
+4.6% QoQ
|
+$131.4M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.91%
+18.6% YoY
-2.5% QoQ
|
+0.83% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.49%
+6.4% YoY
-0.3% QoQ
|
+0.64% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
46.07%
-11.7% YoY
+2.4% QoQ
|
-21.66% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.23%
+77.7% YoY
+263.8% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
90.16%
+1.0% YoY
-0.7% QoQ
|
+15.63% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
30.18%
+5.4% YoY
+4.6% QoQ
|
+7.79% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.18%
+78.0% YoY
+263.2% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
15.79%
+4.6% YoY
-0.4% QoQ
|
+6.94% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.42%
+2.5% YoY
+24.4% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.07%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 46.07% · Tier avg: 67.73%
90
90th pctile
Total Loans
Current: $284.0M · Tier avg: $139.2M
88
88th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.08%
84
84th pctile
Total Deposits
Current: $315.0M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $366.6M · Tier avg: $217.5M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.18% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.16% · Tier avg: 74.53%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
Top Weaknesses
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
60
60th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 8.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 90.16% · Tier avg: 74.53%
79
79th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.18% · Tier avg: 22.39%
83
83th pctile
Total Assets
Current: $366.6M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $315.0M · Tier avg: $183.7M
88
88th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.08%
90
90th pctile
Total Loans
Current: $284.0M · Tier avg: $139.2M
94
94th pctile
Efficiency Ratio
Current: 46.07% · Tier avg: 67.73%