BlastPoint's Banking Scorecard
The Murray Bank
Community
Specialty: Commercial
KY
FDIC cert 35161
Murray, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
The Murray Bank shows strong momentum with 1 strength and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 29% in Community
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 ? |
$548.7M
+6.9% YoY
+1.7% QoQ
|
-$842.8M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$398.7M
+8.0% YoY
+1.8% QoQ
|
-$576.8M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$487.6M
+3.2% YoY
+1.8% QoQ
|
-$677.0M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.65%
+40.4% YoY
-0.0% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.58%
+17.9% YoY
+1.7% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
49.74%
-16.5% YoY
+0.4% QoQ
|
-12.89% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.64%
-8.0% QoQ
|
+0.01% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
81.77%
+4.7% YoY
+0.0% QoQ
|
-1.29% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
20.48%
+5.6% YoY
+0.4% QoQ
|
-0.56% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.47%
-8.0% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.88%
+1.3% YoY
+2.8% QoQ
|
+2.63% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.43%
+2.1% YoY
+31.1% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#108 of 371 · Top 29% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
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
84
84th pctile
Efficiency Ratio
Current: 49.74% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.77% · Tier avg: 83.06%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.88% · Tier avg: 10.24%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.48% · Tier avg: 21.05%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
38
38th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
14
14th pctile
Total Loans
Current: $398.7M · Tier avg: $975.5M
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $548.7M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $548.7M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $398.7M · Tier avg: $975.5M
38
38th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.48% · Tier avg: 21.05%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.88% · Tier avg: 10.24%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.77% · Tier avg: 83.06%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 49.74% · Tier avg: 62.63%