BlastPoint's Banking Scorecard
Jackson County Bank
Micro
Specialty: Agricultural
KY
FDIC cert 291
Designations: ✓ Community bank
Mc Kee, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Jackson County Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.23% below tier
- + Non-Interest-Bearing Deposit Share 16.08% 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 ? |
$175.2M
+0.9% YoY
+1.6% QoQ
|
-$42.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$72.9M
+1.3% YoY
+0.4% QoQ
|
-$66.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$114.1M
-0.7% YoY
+4.8% QoQ
|
-$69.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.94%
-3.5% YoY
+0.5% QoQ
|
+0.86% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.60%
+2.0% YoY
+0.8% QoQ
|
+0.75% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
49.50%
+0.1% YoY
-0.9% QoQ
|
-18.23% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.55%
+34.9% YoY
+12.5% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
63.87%
+2.1% YoY
-4.2% QoQ
|
-10.65% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
38.48%
+2.0% YoY
-2.3% QoQ
|
+16.08% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+39.3% YoY
+10.7% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
-1.3% YoY
+30.8% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.50%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.48%
(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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.48% · Tier avg: 22.39%
91
91th pctile
Efficiency Ratio
Current: 49.50% · Tier avg: 67.73%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Assets
Current: $175.2M · Tier avg: $217.5M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
34
34th pctile
Total Deposits
Current: $114.1M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $72.9M · Tier avg: $139.2M
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.87% · Tier avg: 74.53%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.87% · Tier avg: 74.53%
30
30th pctile
Total Loans
Current: $72.9M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $114.1M · Tier avg: $183.7M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
45
45th pctile
Total Assets
Current: $175.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
82
82th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.50% · Tier avg: 67.73%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.48% · Tier avg: 22.39%