BlastPoint's Banking Scorecard
The Paducah Bank and Trust Company
Community
Specialty: Commercial
KY
FDIC cert 16664
Paducah, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Paducah Bank and Trust Company shows strong momentum with 4 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 25% in Community
- + Revenue Diversifier: Top 49% in Community
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.48% 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 ? |
$1.0B
+8.4% YoY
+2.0% QoQ
|
-$374.2M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$777.8M
+9.0% YoY
+2.5% QoQ
|
-$197.7M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$805.8M
+8.9% YoY
+2.0% QoQ
|
-$358.8M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.83%
+30.1% YoY
+4.1% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.16%
+13.7% YoY
+1.7% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
59.26%
-8.3% YoY
-1.8% QoQ
|
-3.37% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.02%
-67.7% YoY
-33.8% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
96.52%
+0.1% YoY
+0.5% QoQ
|
+13.46% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
24.42%
-9.9% YoY
-6.6% QoQ
|
+3.38% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.02%
-67.5% YoY
-33.5% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
13.93%
-1.1% YoY
-0.7% QoQ
|
+3.68% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.87%
-5.6% YoY
+33.1% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#94 of 371 · Top 25% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#181 of 371 · Top 49% 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:
0.87%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 7%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, 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
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 21.05%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 10.24%
59
59th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 62.63%
55
55th pctile
Total Loans
Current: $777.8M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $805.8M · Tier avg: $1.2B
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
47
47th pctile
Total Deposits
Current: $805.8M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $777.8M · Tier avg: $975.5M
59
59th pctile
Efficiency Ratio
Current: 59.26% · Tier avg: 62.63%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 10.24%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%