BlastPoint's Banking Scorecard
Traditional Bank, Inc.
Community
Specialty: Commercial
KY
FDIC cert 2711
Mount Sterling, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Traditional Bank, Inc. 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
- - Credit Risk Growth: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+4.0% YoY
+3.0% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.6B
+6.6% YoY
+1.1% QoQ
|
+$619.8M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$2.2B
+3.2% YoY
+3.2% QoQ
|
+$1.0B |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.80%
+65.6% YoY
-0.4% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.96%
+23.6% YoY
+3.0% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
60.07%
-12.0% YoY
+1.3% QoQ
|
-2.57% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.24%
+186.4% YoY
+11.3% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
72.57%
+3.3% YoY
-2.1% QoQ
|
-10.50% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
19.51%
-0.7% YoY
-2.3% QoQ
|
-1.54% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.21%
+21.7% YoY
+5.9% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.71%
-2.3% YoY
-0.9% QoQ
|
+3.47% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.50%
+8.3% YoY
+24.7% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#209 of 642 · Bottom 32% 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 declining
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
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.57% · Tier avg: 83.06%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.71% · Tier avg: 10.24%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
56
56th pctile
Efficiency Ratio
Current: 60.07% · Tier avg: 62.63%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 21.05%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 21.05%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
56
56th pctile
Efficiency Ratio
Current: 60.07% · Tier avg: 62.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.71% · Tier avg: 10.24%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.57% · Tier avg: 83.06%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
87
87th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B