BlastPoint's Banking Scorecard
Bank of Maysville
Micro
Specialty: Other
KY
FDIC cert 9315
Designations: ✓ Community bank
Maysville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Maysville demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 19.91% 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 ? |
$160.2M
+2.5% YoY
-1.2% QoQ
|
-$57.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$88.3M
+5.7% YoY
+0.9% QoQ
|
-$50.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$129.5M
+2.1% YoY
-2.9% QoQ
|
-$54.2M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.25%
+20.7% YoY
+3.2% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.60%
+13.9% YoY
+2.2% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
59.20%
-6.4% YoY
-1.0% QoQ
|
-8.52% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.16%
+107.0% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
68.16%
+3.5% YoY
+3.9% QoQ
|
-6.37% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
17.77%
-1.6% YoY
-7.7% QoQ
|
-4.63% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.09%
+111.5% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
28.77%
+1.3% YoY
-0.0% QoQ
|
+19.91% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.43%
-10.0% YoY
+35.8% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
28.77%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 28.77% · Tier avg: 8.85%
69
69th pctile
Efficiency Ratio
Current: 59.20% · Tier avg: 67.73%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.16% · Tier avg: 74.53%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
41
41th pctile
Total Assets
Current: $160.2M · Tier avg: $217.5M
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
39
39th pctile
Total Deposits
Current: $129.5M · Tier avg: $183.7M
38
38th pctile
Total Loans
Current: $88.3M · Tier avg: $139.2M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.77% · Tier avg: 22.39%
Top Weaknesses
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.77% · Tier avg: 22.39%
38
38th pctile
Total Loans
Current: $88.3M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $129.5M · Tier avg: $183.7M
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
41
41th pctile
Total Assets
Current: $160.2M · Tier avg: $217.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
65
65th pctile
Loan-to-Deposit Ratio
Current: 68.16% · Tier avg: 74.53%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
69
69th pctile
Efficiency Ratio
Current: 59.20% · Tier avg: 67.73%
96
96th pctile
Tier 1 Capital Ratio
Current: 28.77% · Tier avg: 8.85%