BlastPoint's Banking Scorecard
Bank of Lexington, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 58164
Designations: ✓ Community bank
Lexington, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Lexington, Inc. shows strong momentum with 3 strengths and 12.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 17.78% above tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$401.1M
+12.2% YoY
-6.9% QoQ
|
+$183.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$312.0M
+9.3% YoY
+4.4% QoQ
|
+$172.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$349.7M
+17.5% YoY
-8.0% QoQ
|
+$166.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.42%
+105.0% YoY
+3.7% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.98%
+28.3% YoY
+2.5% QoQ
|
+0.13% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
52.30%
-26.8% YoY
-0.6% QoQ
|
-15.42% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.21%
-6.9% YoY
+13.5% QoQ
|
+14.68% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
40.18%
+77.3% YoY
-11.2% QoQ
|
+17.78% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.56%
+4.5% YoY
+2.5% QoQ
|
+7.71% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.28%
-11.0% YoY
+57.2% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.18%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Total Loans
Current: $312.0M · Tier avg: $139.2M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.18% · Tier avg: 22.39%
90
90th pctile
Total Deposits
Current: $349.7M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $401.1M · Tier avg: $217.5M
86
86th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 67.73%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 8.85%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 74.53%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 8.85%
86
86th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 67.73%
88
88th pctile
Total Assets
Current: $401.1M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $349.7M · Tier avg: $183.7M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.18% · Tier avg: 22.39%
94
94th pctile
Total Loans
Current: $312.0M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%