BlastPoint's Banking Scorecard
First State Bank
Irvington, KY
3 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +18.9% year over year ($354.3M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.72%.
- Efficiency ratio 45.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.58% below tier average
- + ROA 0.40% above tier average
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.42% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.0M
+15.0% YoY
-3.0% QoQ
|
+$15.4M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$287.7M
+6.1% YoY
+0.4% QoQ
|
+$29.3M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$354.3M
+18.9% YoY
-3.1% QoQ
|
+$27.5M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.72%
-8.8% YoY
-2.7% QoQ
|
+0.40% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
4.08%
-10.0% YoY
-0.3% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
45.90%
-3.3% YoY
+4.3% QoQ
|
-18.58% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Top 10.0% in tier |
| Delinquency Rate ? | 1.33% | +0.42% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
81.21%
-10.8% YoY
+3.6% QoQ
|
+3.26% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
27.69%
-7.0% YoY
+0.2% QoQ
|
+5.66% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.96% | +0.29% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
16.50%
+9.3% YoY
+1.7% QoQ
|
+0.59% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.19%
-20.1% YoY
+112.2% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.7%
-2.1pp YoY 0.0pp QoQ |
+5.5pp | 22.1% | 23.5% | 22.2% | 75% |
| Brokered Deposits |
7.7%
-1.1pp YoY -0.1pp QoQ |
-0.2pp | 7.9% | 5.4% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.7%
-1.9pp YoY 0.0pp QoQ |
+1.1pp | 11.6% | 8.6% | 12.5% | 67% |
| CRE |
37.8%
+0.5pp YoY 0.0pp QoQ |
-1.8pp | 39.5% | 37.1% | 41.4% | 48% |
| 1-4 Family |
39.3%
+1.8pp YoY +0.5pp QoQ |
+6.7pp | 32.6% | 41.6% | 31.3% | 69% |
| Consumer |
4.3%
-0.4pp YoY -0.1pp QoQ |
+0.2pp | 4.1% | 4.8% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+1.4pp YoY +0.3pp QoQ |
-2.3pp | 18.8% | 20.2% | 19.7% | 61% |
| Leverage Ratio |
11.2%
-0.4pp YoY -0.7pp QoQ |
-0.9pp | 12.2% | 14.0% | 12.6% | 54% |
| Total Capital Ratio |
16.8%
+1.4pp YoY +0.3pp QoQ |
-3.2pp | 19.9% | 21.3% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
90
+4 (+4.7%) YoY +3 (+3.4%) QoQ |
+31 | 58 | 105 | 482 | 82% |
| Assets per Employee ($) |
$4.5M
+9.9% YoY -6.2% QoQ |
-$3.1M | $7.5M | $6.3M | $8.8M | 8% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 66% |
| Nonaccrual |
1.1%
+1.1pp YoY +1.1pp QoQ |
+0.2pp | 0.9% | 0.8% | 1.0% | 74% |
| Allowance Coverage |
0.19x
-92.1% YoY -92.4% QoQ |
-23.96x | 24.15x | 7.45x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
-2.5pp YoY -0.6pp QoQ |
+4.7pp | 12.2% | 13.3% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY +0.1pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 55% |
| Net Income ($, YTD) |
$3.4M
+4.8% YoY — QoQ |
+$836K | $2.6M | $5.1M | $40.4M | 74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.