BlastPoint's Banking Scorecard
The First National Bank of Manchester
Micro
Specialty: Commercial
KY
FDIC cert 2708
Designations: ✓ Community bank
Manchester, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The First National Bank of Manchester demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 22.67% 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 ? |
$229.1M
-5.4% YoY
+0.6% QoQ
|
+$11.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$154.1M
+0.3% YoY
+0.1% QoQ
|
+$14.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$206.2M
-6.7% YoY
+0.6% QoQ
|
+$22.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.60%
-22.5% YoY
-23.7% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
4.33%
+4.4% YoY
+0.9% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
83.04%
+8.1% YoY
+7.2% QoQ
|
+15.31% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.90%
+69.8% YoY
+5.3% QoQ
|
+1.26% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
74.73%
+7.6% YoY
-0.5% QoQ
|
+0.21% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
45.07%
+7.4% YoY
+7.1% QoQ
|
+22.67% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
1.30%
+81.7% YoY
+4.7% QoQ
|
+0.85% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
13.99%
+6.0% YoY
+0.6% QoQ
|
+5.13% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.44%
+0.3% YoY
+31.4% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.07%
(Tier avg: 22.39%, National avg: 21.79%)
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.07% · Tier avg: 22.39%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.99% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
61
61th pctile
Total Loans
Current: $154.1M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $206.2M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $229.1M · Tier avg: $217.5M
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.73% · Tier avg: 74.53%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 83.04% · Tier avg: 67.73%
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.90% · Tier avg: 0.64%
16
16th pctile
Efficiency Ratio
Current: 83.04% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.73% · Tier avg: 74.53%
58
58th pctile
Total Assets
Current: $229.1M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $206.2M · Tier avg: $183.7M
61
61th pctile
Total Loans
Current: $154.1M · Tier avg: $139.2M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.99% · Tier avg: 8.85%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.07% · Tier avg: 22.39%