BlastPoint's Banking Scorecard
First Kentucky Bank, Inc.
Community
Specialty: Commercial
KY
FDIC cert 21247
Mayfield, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
First Kentucky Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Credit Quality Pressure: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$587.8M
+2.0% YoY
-0.7% QoQ
|
-$803.6M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$353.3M
+2.1% YoY
-1.2% QoQ
|
-$622.2M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$507.7M
-0.3% YoY
-0.4% QoQ
|
-$656.9M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.11%
+24.4% YoY
-0.8% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.37%
+15.5% YoY
+1.4% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
70.04%
-5.6% YoY
+1.5% QoQ
|
+7.41% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.20%
+7.9% YoY
-23.1% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
69.58%
+2.4% YoY
-0.7% QoQ
|
-13.48% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
21.86%
+7.6% YoY
+6.6% QoQ
|
+0.81% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.12%
+8.0% YoY
-23.5% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
13.34%
+0.3% YoY
+3.6% QoQ
|
+3.10% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.69%
-6.2% YoY
+35.7% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#16 of 642 · Bottom 2% 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
Credit Quality Pressure
risk
#80 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.58% · Tier avg: 83.06%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 10.24%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
27
27th pctile
Efficiency Ratio
Current: 70.04% · Tier avg: 62.63%
14
14th pctile
Total Deposits
Current: $507.7M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $587.8M · Tier avg: $1.4B
9
9th pctile
Total Loans
Current: $353.3M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $353.3M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $587.8M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $507.7M · Tier avg: $1.2B
27
27th pctile
Efficiency Ratio
Current: 70.04% · Tier avg: 62.63%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 10.24%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.58% · Tier avg: 83.06%