BlastPoint's Banking Scorecard
Field & Main Bank
Community
Specialty: Commercial
KY
FDIC cert 13838
Henderson, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Field & Main Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$860.8M
+11.9% YoY
+6.0% QoQ
|
-$530.6M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$644.3M
+4.9% YoY
-0.9% QoQ
|
-$331.2M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$782.0M
+12.0% YoY
+6.7% QoQ
|
-$382.6M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.30%
+28.4% YoY
-17.5% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.88%
+14.5% YoY
+0.9% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
59.74%
-14.5% YoY
+2.7% QoQ
|
-2.89% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.89%
+14.8% YoY
-4.9% QoQ
|
+0.26% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
82.39%
-6.3% YoY
-7.2% QoQ
|
-0.67% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
16.48%
-7.9% YoY
-9.2% QoQ
|
-4.57% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.67%
+7.6% YoY
-11.2% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
11.29%
+9.4% YoY
+1.8% QoQ
|
+1.04% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
1.20%
+1.6% YoY
+9.9% QoQ
|
+0.47% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#163 of 371 · Top 44% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.20%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.30%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Risk Growth
risk
#134 of 642 · Bottom 21% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%
65
65th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
58
58th pctile
Efficiency Ratio
Current: 59.74% · Tier avg: 62.63%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.39% · Tier avg: 83.06%
45
45th pctile
Total Deposits
Current: $782.0M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $644.3M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $860.8M · Tier avg: $1.4B
39
39th pctile
Tier 1 Capital Ratio
Current: 11.29% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 21.05%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
Top Weaknesses
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 21.05%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.29% · Tier avg: 10.24%
40
40th pctile
Total Assets
Current: $860.8M · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $644.3M · Tier avg: $975.5M
45
45th pctile
Total Deposits
Current: $782.0M · Tier avg: $1.2B
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.39% · Tier avg: 83.06%
58
58th pctile
Efficiency Ratio
Current: 59.74% · Tier avg: 62.63%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
65
65th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%