BlastPoint's Banking Scorecard
First Federal Savings Bank of Kentucky
Micro
Specialty: Mortgage
KY
FDIC cert 29937
Designations: ✓ Community bank
Frankfort, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
First Federal Savings Bank of Kentucky faces 3 concerns 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 1.12% below tier
- - Loan-to-Deposit Ratio 43.20% above tier
- - Non-Interest-Bearing Deposit Share 17.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.1M
+0.4% YoY
+0.0% QoQ
|
+$71.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$251.9M
+0.4% YoY
+0.6% QoQ
|
+$112.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$214.0M
+2.1% YoY
-3.5% QoQ
|
+$30.3M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.33%
+206.7% YoY
+25.0% QoQ
|
-0.75% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.73%
+23.6% YoY
+4.2% QoQ
|
-1.12% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
83.98%
-26.0% YoY
-2.9% QoQ
|
+16.25% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.48%
-30.4% YoY
-21.5% QoQ
|
-0.16% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
117.73%
-1.6% YoY
+4.2% QoQ
|
+43.20% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.19%
-7.5% YoY
+37.0% QoQ
|
-17.21% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.42%
-30.4% YoY
-21.1% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
42% |
| 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 ? |
0.19%
+22.2% YoY
+49.8% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
117.73%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.19%
(Tier avg: 22.39%, National avg: 21.79%)
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
85
85th pctile
Total Loans
Current: $251.9M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $289.1M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $214.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
14
14th pctile
Efficiency Ratio
Current: 83.98% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.19% · Tier avg: 22.39%
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.73% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.73% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.19% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 83.98% · Tier avg: 67.73%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Total Deposits
Current: $214.0M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $289.1M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $251.9M · Tier avg: $139.2M