BlastPoint's Banking Scorecard
Kentucky Farmers Bank Corporation
Micro
Specialty: Other
KY
FDIC cert 267
Designations: ✓ Community bank
Catlettsburg, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Kentucky Farmers Bank Corporation shows strong momentum with 2 strengths and 8.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Tier 1 Capital Ratio 18.76% 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 ? |
$331.2M
+8.8% YoY
+6.3% QoQ
|
+$113.7M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$166.2M
+8.3% YoY
+3.2% QoQ
|
+$27.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$278.7M
+7.5% YoY
+6.7% QoQ
|
+$95.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
2.04%
+7.8% YoY
+4.2% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.33%
-2.0% YoY
+0.6% QoQ
|
+0.48% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
58.04%
-8.1% YoY
-1.0% QoQ
|
-9.68% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.07%
-22.3% YoY
-37.5% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
59.63%
+0.8% YoY
-3.2% QoQ
|
-14.90% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
25.20%
+12.1% YoY
+10.0% QoQ
|
+2.81% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.07%
+52.7% YoY
-26.2% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
27.61%
+4.4% YoY
+2.9% QoQ
|
+18.76% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.78%
+1.0% YoY
+39.3% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.61%
(Tier avg: 8.85%, National avg: 9.75%)
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
95
95th pctile
Tier 1 Capital Ratio
Current: 27.61% · Tier avg: 8.85%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
78
78th pctile
Total Assets
Current: $331.2M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $278.7M · Tier avg: $183.7M
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
72
72th pctile
Efficiency Ratio
Current: 58.04% · Tier avg: 67.73%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
65
65th pctile
Total Loans
Current: $166.2M · Tier avg: $139.2M
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 22.39%
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.63% · Tier avg: 74.53%
Top Weaknesses
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.63% · Tier avg: 74.53%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 22.39%
65
65th pctile
Total Loans
Current: $166.2M · Tier avg: $139.2M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
72
72th pctile
Efficiency Ratio
Current: 58.04% · Tier avg: 67.73%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
77
77th pctile
Total Deposits
Current: $278.7M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $331.2M · Tier avg: $217.5M
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.61% · Tier avg: 8.85%