BlastPoint's Banking Scorecard
FNB Bank, Inc.
Community
Specialty: Commercial
KY
FDIC cert 2759
Mayfield, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
FNB Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Community
- - Credit Risk Growth: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$750.4M
+8.8% YoY
+2.9% QoQ
|
-$641.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$502.7M
+5.9% YoY
+2.2% QoQ
|
-$472.7M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$687.2M
+7.9% YoY
+3.2% QoQ
|
-$477.4M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.97%
+16.1% YoY
-3.6% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.47%
+8.1% YoY
+0.9% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
62.03%
-6.9% YoY
+1.4% QoQ
|
-0.60% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.16%
+24.2% YoY
-1.4% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
73.15%
-1.9% YoY
-0.9% QoQ
|
-9.91% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
27.12%
-6.0% YoY
-2.9% QoQ
|
+6.08% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.16%
-0.8% YoY
-2.4% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.89%
+6.9% YoY
-0.2% QoQ
|
+1.65% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.64%
-7.1% YoY
+27.7% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#95 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#131 of 642 · Bottom 20% 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
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
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.12% · Tier avg: 21.05%
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
50
50th pctile
Efficiency Ratio
Current: 62.03% · Tier avg: 62.63%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 10.24%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
37
37th pctile
Total Deposits
Current: $687.2M · Tier avg: $1.2B
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
32
32th pctile
Total Loans
Current: $502.7M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $750.4M · Tier avg: $1.4B
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.15% · Tier avg: 83.06%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.15% · Tier avg: 83.06%
31
31th pctile
Total Assets
Current: $750.4M · Tier avg: $1.4B
32
32th pctile
Total Loans
Current: $502.7M · Tier avg: $975.5M
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
37
37th pctile
Total Deposits
Current: $687.2M · Tier avg: $1.2B
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 10.24%
50
50th pctile
Efficiency Ratio
Current: 62.03% · Tier avg: 62.63%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.12% · Tier avg: 21.05%