BlastPoint's Banking Scorecard
The Farmers National Bank of Danville
Community
Specialty: Commercial
KY
FDIC cert 2740
Danville, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Farmers National Bank of Danville demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20% in Community
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 ? |
$990.4M
+2.5% YoY
+0.0% QoQ
|
-$401.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$767.3M
+8.1% YoY
+0.8% QoQ
|
-$208.2M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$888.8M
+1.1% YoY
-0.3% QoQ
|
-$275.8M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.34%
+13.4% YoY
-15.5% QoQ
|
+0.18% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.16%
+16.9% YoY
+1.5% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
63.59%
-5.6% YoY
+3.2% QoQ
|
+0.96% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.45%
-41.7% YoY
+9.0% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
86.33%
+6.9% YoY
+1.1% QoQ
|
+3.27% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
19.65%
-6.2% YoY
+0.2% QoQ
|
-1.39% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.36%
-37.1% YoY
+9.1% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.11%
+4.7% YoY
+1.2% QoQ
|
+2.86% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
1.66%
+3.5% YoY
+35.6% QoQ
|
+0.92% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#76 of 371 · Top 20% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.66%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.34%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.66% · Tier avg: 0.74%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
66
66th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 10.24%
55
55th pctile
Total Loans
Current: $767.3M · Tier avg: $975.5M
53
53th pctile
Total Deposits
Current: $888.8M · Tier avg: $1.2B
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
49
49th pctile
Total Assets
Current: $990.4M · Tier avg: $1.4B
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.65% · Tier avg: 21.05%
46
46th pctile
Efficiency Ratio
Current: 63.59% · Tier avg: 62.63%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.33% · Tier avg: 83.06%
Top Weaknesses
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.33% · Tier avg: 83.06%
46
46th pctile
Efficiency Ratio
Current: 63.59% · Tier avg: 62.63%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.65% · Tier avg: 21.05%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
49
49th pctile
Total Assets
Current: $990.4M · Tier avg: $1.4B
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
53
53th pctile
Total Deposits
Current: $888.8M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $767.3M · Tier avg: $975.5M
59
59th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 10.24%
66
66th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.16%
76
76th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.66%
94
94th pctile
Non-Interest Income / Assets
Current: 1.66% · Tier avg: 0.74%