BlastPoint's Banking Scorecard

Bank of Clarkson

$100M-$1B Specialty: Commercial KY FDIC cert 13167

Clarkson, KY

2 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 +4.4% year over year ($149.7M on the books).
Delinquency rate 1.88%.
Return on assets 1.46%.
Efficiency ratio 56.43% vs a 64.48% peer average.
Loan-to-deposit ratio 79.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

Bank of Clarkson has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.14% above tier average
+ Net Interest Margin 0.05% above tier average
+ Efficiency Ratio 8.05% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 42.5% in tier
- Delinquency Rate 0.96% above tier average

Get updates when Bank of Clarkson releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$178.2M +6.5% YoY -1.4% QoQ	-$208.4M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$119.6M +8.5% YoY +0.2% QoQ	-$138.8M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$149.7M +4.4% YoY +0.0% QoQ	-$177.0M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	1.46% -1.5% YoY -7.3% QoQ	+0.14%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.04% +0.6% YoY +1.9% QoQ	+0.05%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	56%
Efficiency Ratio ?	56.43% +2.1% YoY +7.7% QoQ	-8.05%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	68%
Delinquency Rate ?	1.88% +693.7% QoQ	+0.96%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	Bottom 14.0% in tier
Loan-to-Deposit Ratio ?	79.88% +3.9% YoY +0.1% QoQ	+1.93%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	28.65% -9.2% YoY +0.7% QoQ	+6.62%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	1.26% +705.9% QoQ	+0.59%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	19.02% +1.3% YoY +0.9% QoQ	+3.12%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.29% -7.0% YoY +92.5% QoQ	-0.28%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	70%

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	28.6% -2.9pp YoY +0.2pp QoQ	+6.5pp	22.1%	23.5%	22.2%	78%
Brokered Deposits	8.7% +4.2pp YoY 0.0pp QoQ	+0.8pp	7.9%	5.4%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	7.0% -1.2pp YoY -0.4pp QoQ	-4.6pp	11.6%	8.6%	12.5%	33%
CRE	44.0% +2.7pp YoY +1.1pp QoQ	+4.4pp	39.5%	37.1%	41.4%	60%
1-4 Family	37.4% -2.1pp YoY -0.3pp QoQ	+4.7pp	32.6%	41.6%	31.3%	66%
Consumer	8.1% -0.7pp YoY -0.1pp QoQ	+4.0pp	4.1%	4.8%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	19.0% +0.2pp YoY +0.2pp QoQ	+0.2pp	18.8%	20.2%	19.7%	74%
Leverage Ratio	12.4% +0.2pp YoY +0.1pp QoQ	+0.3pp	12.2%	14.0%	12.6%	69%
Total Capital Ratio	19.6% +0.2pp YoY +0.2pp QoQ	-0.4pp	19.9%	21.3%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	21 0 YoY 0 QoQ	-38	58	105	482	12%
Assets per Employee ($)	$8.5M +6.5% YoY -1.4% QoQ	+$967K	$7.5M	$6.3M	$8.8M	74%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.2pp QoQ	-0.3pp	0.3%	0.3%	0.4%	24%
Nonaccrual	1.9%	+0.9pp	0.9%	0.8%	1.0%	86%
Allowance Coverage	0.28x -98.9% YoY -87.5% QoQ	-23.87x	24.15x	7.45x	20.23x	3%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	14.5% -1.7pp YoY -1.3pp QoQ	+2.3pp	12.2%	13.3%	11.6%	65%
Cost of Funds (YTD)	1.8% +0.1pp YoY -0.1pp QoQ	+0.1pp	1.7%	1.7%	1.7%	58%
Net Income ($, YTD)	$1.3M +6.1% YoY — QoQ	-$1.3M	$2.6M	$5.1M	$40.4M	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#316 of 742 • Bottom 42.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.02%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 79.88%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

420

Tier 1 Capital Ratio

capital

Value: 19.02%

Peer Median: 15.91%

#420 of 2643 Top 15.9% in $100M-$1B

580

Non-Interest-Bearing Deposit Share

funding

Value: 28.65%

Peer Median: 22.03%

#580 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (5 metrics)

2266

Delinquency Rate

credit_quality

Value: 1.88%

Peer Median: 0.92%

#2266 of 2633 Bottom 14.0% in $100M-$1B

2236

Nonperforming Asset Ratio

credit_quality

Value: 1.26%

Peer Median: 0.67%

#2236 of 2643 Bottom 15.4% in $100M-$1B

2089

Total Assets

size

Value: $178.19M

Peer Median: $386.57M

#2089 of 2643 Bottom 21.0% in $100M-$1B

2075

Total Deposits

size

Value: $149.72M

Peer Median: $326.73M

#2075 of 2643 Bottom 21.5% in $100M-$1B

1986

Total Loans

size

Value: $119.59M

Peer Median: $258.35M

#1986 of 2643 Bottom 24.9% in $100M-$1B