BlastPoint's Banking Scorecard
Taylor County Bank
Micro
Specialty: Commercial
KY
FDIC cert 15590
Designations: ✓ Community bank
Campbellsville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Taylor County Bank shows strong momentum with 1 strength and 5.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above 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 ? |
$243.3M
+5.5% YoY
-2.5% QoQ
|
+$25.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$173.3M
+5.9% YoY
+0.5% QoQ
|
+$34.1M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$216.7M
+3.7% YoY
-3.0% QoQ
|
+$33.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
2.26%
+29.2% YoY
-11.6% QoQ
|
+1.18% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.27%
+3.7% YoY
+0.5% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
54.13%
-6.6% YoY
+3.0% QoQ
|
-13.60% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
1.32%
+63.4% YoY
-25.4% QoQ
|
+0.68% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
79.97%
+2.2% YoY
+3.6% QoQ
|
+5.45% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
20.71%
-0.7% YoY
+2.8% QoQ
|
-1.68% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.19%
+107.1% YoY
-3.0% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.88%
+45.0% YoY
+11.7% QoQ
|
+0.31% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 6%
in Micro
Return on Assets is in the top decile of tier peers. Profitability per dollar of assets is materially outpacing similarly-sized banks - the engine of compounding book value.
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
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
Return on Assets
Current: 2.26% · Tier avg: 1.08%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
83
83th pctile
Efficiency Ratio
Current: 54.13% · Tier avg: 67.73%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
67
67th pctile
Total Loans
Current: $173.3M · Tier avg: $139.2M
64
64th pctile
Total Deposits
Current: $216.7M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $243.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.71% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.97% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.97% · Tier avg: 74.53%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.71% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Assets
Current: $243.3M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $216.7M · Tier avg: $183.7M
67
67th pctile
Total Loans
Current: $173.3M · Tier avg: $139.2M
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
83
83th pctile
Efficiency Ratio
Current: 54.13% · Tier avg: 67.73%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%