BlastPoint's Banking Scorecard
Peoples Bank, Mt. Washington
Micro
Specialty: Commercial
KY
FDIC cert 5847
Designations: ✓ Community bank
Mount Washington, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Peoples Bank, Mt. Washington shows strong momentum with 2 strengths and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.18% above tier
- + Non-Interest-Bearing Deposit Share 17.78% above 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 ? |
$120.0M
+6.1% YoY
-1.0% QoQ
|
-$97.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$80.2M
+7.3% YoY
+4.4% QoQ
|
-$59.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$109.5M
+4.8% YoY
-1.4% QoQ
|
-$74.2M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.78%
+8.7% YoY
-0.1% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
5.03%
+6.0% YoY
+1.2% QoQ
|
+1.18% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
65.44%
-3.1% YoY
-0.1% QoQ
|
-2.29% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.12%
-92.0% YoY
|
-0.52% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
73.20%
+2.4% YoY
+5.8% QoQ
|
-1.32% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
40.18%
+17.5% YoY
-1.3% 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 ? |
0.08%
-91.9% YoY
|
-0.37% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
13.68%
-0.2% YoY
-3.5% QoQ
|
+4.82% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.55%
-10.4% YoY
+32.9% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.03%
(Tier avg: 3.85%, National avg: 3.75%)
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%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.18% · Tier avg: 22.39%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 8.85%
52
52th pctile
Efficiency Ratio
Current: 65.44% · Tier avg: 67.73%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.20% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $80.2M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.5M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $120.0M · Tier avg: $217.5M
Top Weaknesses
29
29th pctile
Total Assets
Current: $120.0M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.5M · Tier avg: $183.7M
34
34th pctile
Total Loans
Current: $80.2M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.20% · Tier avg: 74.53%
52
52th pctile
Efficiency Ratio
Current: 65.44% · Tier avg: 67.73%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.68% · Tier avg: 8.85%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.18% · Tier avg: 22.39%