BlastPoint's Banking Scorecard
Security Bank and Trust Co.
Micro
Specialty: Other
KY
FDIC cert 8121
Designations: ✓ Community bank
Maysville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Security Bank and Trust Co. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$69.7M
+0.5% YoY
+2.7% QoQ
|
-$147.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$27.7M
-4.8% YoY
-4.1% QoQ
|
-$111.5M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$57.8M
+0.4% YoY
+2.8% QoQ
|
-$125.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.75%
+6.1% YoY
+3.6% QoQ
|
+0.67% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.50%
+6.2% YoY
+1.4% QoQ
|
-0.35% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
51.51%
-0.1% YoY
-1.9% QoQ
|
-16.21% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.09%
-46.4% YoY
-34.8% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
47.86%
-5.2% YoY
-6.7% QoQ
|
-26.67% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.35%
+5.8% YoY
+11.5% QoQ
|
+6.95% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.04%
-49.2% YoY
-39.1% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-3.0% YoY
+29.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
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
88
88th pctile
Efficiency Ratio
Current: 51.51% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.35% · Tier avg: 22.39%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
13
13th pctile
Total Deposits
Current: $57.8M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $69.7M · Tier avg: $217.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.86% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $27.7M · Tier avg: $139.2M
Top Weaknesses
10
10th pctile
Total Loans
Current: $27.7M · Tier avg: $139.2M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.86% · Tier avg: 74.53%
13
13th pctile
Total Assets
Current: $69.7M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $57.8M · Tier avg: $183.7M
34
34th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.35% · Tier avg: 22.39%
84
84th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.51% · Tier avg: 67.73%