BlastPoint's Banking Scorecard
Hearthside Bank Corporation
Community
Specialty: Commercial
KY
FDIC cert 31236
Middlesboro, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Hearthside Bank Corporation 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
- - Credit Risk Growth: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 14% in Community
- - Flatlined Growth: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$570.6M
+1.7% YoY
-2.4% QoQ
|
-$820.9M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$432.4M
+0.6% YoY
+0.1% QoQ
|
-$543.1M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$512.9M
+5.6% YoY
-0.8% QoQ
|
-$651.7M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.81%
+68.6% YoY
+7.9% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.63%
+12.4% YoY
+1.4% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
72.72%
-10.9% YoY
-1.2% QoQ
|
+10.09% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.27%
+3.2% YoY
+7.8% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
84.30%
-4.7% YoY
+0.9% QoQ
|
+1.24% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
15.75%
-8.1% YoY
-3.4% QoQ
|
-5.29% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.21%
-1.4% YoY
+10.6% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
14.25%
+6.2% YoY
+2.5% QoQ
|
+4.00% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.76%
+15.8% YoY
+33.2% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#1 of 642 · Bottom 1% 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
|
QoQ rank improving
Credit Quality Pressure
risk
#112 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.27%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#106 of 245 · Bottom 43% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.30% · Tier avg: 83.06%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.75% · Tier avg: 21.05%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
21
21th pctile
Efficiency Ratio
Current: 72.72% · Tier avg: 62.63%
20
20th pctile
Total Loans
Current: $432.4M · Tier avg: $975.5M
15
15th pctile
Total Deposits
Current: $512.9M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $570.6M · Tier avg: $1.4B
Top Weaknesses
10
10th pctile
Total Assets
Current: $570.6M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $512.9M · Tier avg: $1.2B
20
20th pctile
Total Loans
Current: $432.4M · Tier avg: $975.5M
21
21th pctile
Efficiency Ratio
Current: 72.72% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.75% · Tier avg: 21.05%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.30% · Tier avg: 83.06%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%