BlastPoint's Banking Scorecard
First United Bank and Trust Company
Community
Specialty: Commercial
KY
FDIC cert 34150
Madisonville, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
First United Bank and Trust Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
- - Credit Risk Growth: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$594.0M
+3.6% YoY
+0.7% QoQ
|
-$797.5M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$400.4M
+5.1% YoY
+0.9% QoQ
|
-$575.1M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$544.8M
+2.1% YoY
+3.3% QoQ
|
-$619.9M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.15%
+29.7% YoY
+1.7% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.64%
+16.6% YoY
+1.8% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
69.42%
-4.1% YoY
+0.2% QoQ
|
+6.79% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.15%
+7.4% YoY
-7.0% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
73.50%
+3.0% YoY
-2.4% QoQ
|
-9.56% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
18.95%
+1.2% YoY
-9.2% QoQ
|
-2.10% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.11%
-7.3% YoY
-6.3% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.23%
+1.2% QoQ
|
+2.98% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.59%
+3.1% YoY
+36.0% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#45 of 371 · Top 12% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Quality Pressure
risk
#55 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#94 of 642 · Bottom 15% 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
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
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 21.05%
28
28th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 62.63%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.50% · Tier avg: 83.06%
20
20th pctile
Total Deposits
Current: $544.8M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $400.4M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $594.0M · Tier avg: $1.4B
Top Weaknesses
14
14th pctile
Total Assets
Current: $594.0M · Tier avg: $1.4B
15
15th pctile
Total Loans
Current: $400.4M · Tier avg: $975.5M
20
20th pctile
Total Deposits
Current: $544.8M · Tier avg: $1.2B
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.50% · Tier avg: 83.06%
28
28th pctile
Efficiency Ratio
Current: 69.42% · Tier avg: 62.63%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.95% · Tier avg: 21.05%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%