BlastPoint's Banking Scorecard
Bank of Hindman
Micro
Specialty: Commercial
KY
FDIC cert 289
Designations: ✓ Community bank
Hindman, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Hindman 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
- - Net Interest Margin 2.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$268.0M
+3.7% YoY
+4.4% QoQ
|
+$50.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$123.1M
+4.3% YoY
+1.6% QoQ
|
-$16.1M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$217.7M
+3.3% YoY
+5.7% QoQ
|
+$34.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.35%
+85.2% YoY
+5.1% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
1.80%
+14.5% YoY
+2.6% QoQ
|
-2.05% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
80.73%
-8.6% YoY
-1.3% QoQ
|
+13.00% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.76%
-56.9% YoY
-55.9% QoQ
|
+0.12% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
56.54%
+0.9% YoY
-3.9% QoQ
|
-17.99% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
18.36%
-3.5% YoY
-2.3% QoQ
|
-4.03% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.35%
-56.6% YoY
-57.1% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
15.24%
+1.3% YoY
-1.9% QoQ
|
+6.38% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.20%
-10.1% YoY
+26.7% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 3.85%, National avg: 3.75%)
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
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.54% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.24% · Tier avg: 8.85%
65
65th pctile
Total Assets
Current: $268.0M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $217.7M · Tier avg: $183.7M
51
51th pctile
Total Loans
Current: $123.1M · Tier avg: $139.2M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.36% · Tier avg: 22.39%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
20
20th pctile
Efficiency Ratio
Current: 80.73% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
1
1th pctile
Net Interest Margin
Current: 1.80% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.80% · Tier avg: 3.85%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.73% · Tier avg: 67.73%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.36% · Tier avg: 22.39%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
51
51th pctile
Total Loans
Current: $123.1M · Tier avg: $139.2M
64
64th pctile
Total Deposits
Current: $217.7M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $268.0M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.24% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.54% · Tier avg: 74.53%