BlastPoint's Banking Scorecard
Edmonton State Bank
Community
Specialty: Commercial
KY
FDIC cert 9678
Glasgow, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Edmonton State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 23% in Community
- + Deposit Franchise: Top 64% in Community
- + Efficiency Ratio 16.31% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24% in Community
- - Credit Risk Growth: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.1% YoY
+1.2% QoQ
|
-$253.5M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$867.6M
+5.8% YoY
+1.1% QoQ
|
-$107.9M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$984.4M
+17.4% YoY
+0.6% QoQ
|
-$180.2M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
2.44%
+7.6% YoY
-0.8% QoQ
|
+1.28% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.80%
-0.1% YoY
+0.8% QoQ
|
+1.14% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
46.32%
-5.3% YoY
+0.9% QoQ
|
-16.31% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.25%
+70.5% YoY
+23.1% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
88.13%
-9.9% YoY
+0.5% QoQ
|
+5.07% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
28.34%
-13.3% YoY
-0.7% QoQ
|
+7.29% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.19%
+55.3% YoY
+23.0% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.66%
-3.0% YoY
+31.3% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#86 of 371 · Top 23% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.44%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#96 of 150 · Top 64% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
28.34%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.80%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.32%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Credit Quality Pressure
risk
#195 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#156 of 642 · Bottom 24% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
97
97th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
90
90th pctile
Efficiency Ratio
Current: 46.32% · Tier avg: 62.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.34% · Tier avg: 21.05%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
62
62th pctile
Total Loans
Current: $867.6M · Tier avg: $975.5M
58
58th pctile
Total Deposits
Current: $984.4M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.13% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.13% · Tier avg: 83.06%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $984.4M · Tier avg: $1.2B
62
62th pctile
Total Loans
Current: $867.6M · Tier avg: $975.5M
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.34% · Tier avg: 21.05%
90
90th pctile
Efficiency Ratio
Current: 46.32% · Tier avg: 62.63%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.44% · Tier avg: 1.16%