BlastPoint's Banking Scorecard
First & Peoples Bank and Trust Company
Micro
Specialty: Other
KY
FDIC cert 8122
Designations: ✓ Community bank
Russell, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
First & Peoples Bank and Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.81% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.76% below tier
- - Net Interest Margin 1.08% below tier
- - Efficiency Ratio 41.16% above tier
- - Delinquency Rate 18.08% above tier
- - Nonperforming Asset Ratio 7.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.1M
-3.0% YoY
+0.7% QoQ
|
-$11.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$86.3M
-9.3% YoY
-2.1% QoQ
|
-$52.8M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$188.8M
-4.3% YoY
-0.1% QoQ
|
+$5.2M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
-0.68%
-9.2% YoY
+48.3% QoQ
|
-1.76% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.77%
+10.4% YoY
+3.5% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
108.89%
-6.8% YoY
-6.8% QoQ
|
+41.16% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
18.72%
-23.8% YoY
-5.1% QoQ
|
+18.08% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
45.71%
-5.2% YoY
-2.0% QoQ
|
-28.81% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.56%
+16.3% YoY
-0.3% QoQ
|
+1.17% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
7.84%
-28.7% YoY
-7.7% QoQ
|
+7.39% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.61%
-6.4% YoY
+34.1% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.71%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (5)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.68%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
108.89%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
18.72%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.84%
(Tier avg: 0.45%, National avg: 0.48%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.71% · Tier avg: 74.53%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.56% · Tier avg: 22.39%
57
57th pctile
Total Deposits
Current: $188.8M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $206.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Total Loans
Current: $86.3M · Tier avg: $139.2M
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
3
3th pctile
Return on Assets
Current: -0.68% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 108.89% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 18.72% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 7.84% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 7.84% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 18.72% · Tier avg: 0.64%
3
3th pctile
Efficiency Ratio
Current: 108.89% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.68% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
37
37th pctile
Total Loans
Current: $86.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $206.1M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $188.8M · Tier avg: $183.7M
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.56% · Tier avg: 22.39%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.71% · Tier avg: 74.53%