BlastPoint's Banking Scorecard
Farmers & Traders Bank of Campton
Micro
Specialty: Commercial
KY
FDIC cert 288
Designations: ✓ Community bank
Campton, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Farmers & Traders Bank of Campton demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.11% 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 ? |
$67.7M
+2.4% YoY
+0.8% QoQ
|
-$149.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$40.3M
+10.0% YoY
+3.7% QoQ
|
-$98.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$55.0M
-3.3% YoY
-7.9% QoQ
|
-$128.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.23%
+22.7% YoY
+7.6% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.96%
+12.7% YoY
+1.3% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
68.01%
-3.1% YoY
-3.2% QoQ
|
+0.29% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.05%
-83.3% YoY
-82.7% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
73.19%
+13.7% YoY
+12.5% QoQ
|
-1.33% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
42.50%
+12.3% YoY
+2.1% QoQ
|
+20.11% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-82.0% YoY
-82.2% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.47%
+5.4% YoY
+2.6% QoQ
|
+3.62% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.36%
-6.1% YoY
+39.4% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.50%
(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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.50% · Tier avg: 22.39%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 8.85%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
45
45th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 67.73%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.19% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $40.3M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $55.0M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $67.7M · Tier avg: $217.5M
Top Weaknesses
12
12th pctile
Total Assets
Current: $67.7M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.0M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $40.3M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.19% · Tier avg: 74.53%
45
45th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 67.73%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 8.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.50% · Tier avg: 22.39%