BlastPoint's Banking Scorecard
Bank of Clarkson
Clarkson, KY
2 branches across KY
Bank of Clarkson has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Efficiency Ratio 12.91% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.4% in tier
- - Liquidity Overhang: Bottom 42.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.6M
+8.7% YoY
+3.9% QoQ
|
-$205.4M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$119.4M
+12.1% YoY
+1.5% QoQ
|
-$136.3M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$149.7M
+5.1% YoY
+5.7% QoQ
|
-$178.3M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.57%
+13.5% YoY
-2.6% QoQ
|
+0.30% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.96%
+0.9% YoY
-3.8% QoQ
|
+0.03% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
52.38%
-7.7% YoY
-0.8% QoQ
|
-12.91% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.24%
+183.6% YoY
|
-0.65% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
79.77%
+6.6% YoY
-4.0% QoQ
|
+3.13% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
28.44%
-11.4% YoY
-3.9% QoQ
|
+6.42% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.16%
+192.4% YoY
|
-0.48% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
18.85%
-0.8% YoY
-0.4% QoQ
|
+3.02% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.15%
-4.5% YoY
-75.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
73% |
Get Full Access to Bank of Clarkson
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.