BlastPoint's Banking Scorecard
Bank of Clarkson
Micro
Specialty: Commercial
KY
FDIC cert 13167
Designations: ✓ Community bank
Clarkson, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Clarkson shows strong momentum with 2 strengths and 7.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$173.8M
+7.9% YoY
+0.6% QoQ
|
-$43.7M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$117.6M
+13.2% YoY
+2.5% QoQ
|
-$21.6M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$141.5M
+5.8% YoY
-1.1% QoQ
|
-$42.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.61%
+19.4% YoY
+0.8% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.12%
+9.5% YoY
+1.4% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
52.81%
-7.9% YoY
+1.0% QoQ
|
-14.91% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
83.07%
+7.0% YoY
+3.7% QoQ
|
+8.55% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
29.60%
-6.2% YoY
-5.5% QoQ
|
+7.21% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.93%
-0.2% YoY
+1.6% QoQ
|
+10.08% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.60%
-6.7% YoY
+31.8% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
85
85th pctile
Efficiency Ratio
Current: 52.81% · Tier avg: 67.73%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.93% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.60% · Tier avg: 22.39%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.07% · Tier avg: 74.53%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $173.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $141.5M · Tier avg: $183.7M
Top Weaknesses
43
43th pctile
Total Deposits
Current: $141.5M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $173.8M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.07% · Tier avg: 74.53%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.60% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.93% · Tier avg: 8.85%
85
85th pctile
Efficiency Ratio
Current: 52.81% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%