BlastPoint's Banking Scorecard
Meade County Bank
Micro
Specialty: Commercial
KY
FDIC cert 25173
Designations: ✓ Community bank
Brandenburg, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Meade County Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$448.1M
+8.9% YoY
+1.5% QoQ
|
+$230.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$376.4M
+10.4% YoY
+1.5% QoQ
|
+$237.2M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$376.5M
+9.6% YoY
+2.1% QoQ
|
+$192.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.17%
+36.3% YoY
+5.8% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.41%
+18.0% YoY
+1.6% QoQ
|
-0.44% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
56.78%
-11.0% YoY
-0.9% QoQ
|
-10.95% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.21%
+792.2% YoY
+668.6% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
99.96%
+0.8% YoY
-0.5% QoQ
|
+25.43% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.79%
-9.0% YoY
-8.1% QoQ
|
-1.61% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.18%
+804.8% YoY
+668.3% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.58%
+2.3% YoY
+2.6% QoQ
|
+3.73% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.38%
+9.9% YoY
+54.9% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
99.96%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $376.4M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $448.1M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $376.5M · Tier avg: $183.7M
77
77th pctile
Efficiency Ratio
Current: 56.78% · Tier avg: 67.73%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.58% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.96% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.96% · Tier avg: 74.53%
30
30th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.58% · Tier avg: 8.85%
77
77th pctile
Efficiency Ratio
Current: 56.78% · Tier avg: 67.73%
94
94th pctile
Total Deposits
Current: $376.5M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $448.1M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $376.4M · Tier avg: $139.2M