BlastPoint's Banking Scorecard
Taylor County Bank
Campbellsville, KY
4 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 -2.2% year over year ($217.3M on the books).
- Delinquency rate 0.98%.
- Return on assets 1.57%.
- Efficiency ratio 54.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.64% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Taylor County Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 9.53% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24.8% in tier
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.8M
-0.7% YoY
-2.0% QoQ
|
-$142.8M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$164.3M
-5.2% YoY
-1.4% QoQ
|
-$94.0M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$217.3M
-2.2% YoY
-2.0% QoQ
|
-$109.5M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.57%
-20.6% YoY
-17.9% QoQ
|
+0.25% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.28%
+2.4% YoY
+0.9% QoQ
|
+0.30% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
54.95%
-8.6% YoY
-0.3% QoQ
|
-9.53% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.98%
-44.5% YoY
-1.7% QoQ
|
+0.06% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
75.64%
-3.0% YoY
+0.6% QoQ
|
-2.32% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
24.45%
+14.7% YoY
+9.3% QoQ
|
+2.42% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.94%
-24.6% YoY
-0.3% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.86%
+6.0% YoY
-0.8% QoQ
|
-3.05% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.28%
+2.3% YoY
+103.7% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
68% |
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 |
24.5%
+3.1pp YoY +2.1pp QoQ |
+2.3pp | 22.1% | 23.5% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.1%
0.0pp YoY -1.7pp QoQ |
+3.5pp | 11.6% | 8.6% | 12.5% | 76% |
| CRE |
35.3%
-2.0pp YoY -0.6pp QoQ |
-4.3pp | 39.5% | 37.1% | 41.4% | 44% |
| 1-4 Family |
36.8%
0.0pp YoY -0.4pp QoQ |
+4.2pp | 32.6% | 41.6% | 31.3% | 65% |
| Consumer |
4.4%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 4.1% | 4.8% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
12.9%
+0.7pp YoY -0.1pp QoQ |
+0.7pp | 12.2% | 14.0% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
-1 (-2.2%) YoY -4 (-8.3%) QoQ |
-15 | 58 | 105 | 482 | 46% |
| Assets per Employee ($) |
$5.5M
+1.5% YoY +6.9% QoQ |
-$2.0M | $7.5M | $6.3M | $8.8M | 23% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.2pp YoY +0.3pp QoQ |
0.0pp | 0.3% | 0.3% | 0.4% | 77% |
| Nonaccrual |
0.6%
-0.6pp YoY -0.3pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 59% |
| Allowance Coverage |
0.93x
+89.8% YoY -5.3% QoQ |
-23.22x | 24.15x | 7.45x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.9%
+0.8pp YoY +0.8pp QoQ |
+0.7pp | 0.1% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
-6.6pp YoY -3.5pp QoQ |
+3.1pp | 12.2% | 13.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 43% |
| Net Income ($, YTD) |
$1.9M
-18.6% YoY — QoQ |
-$624K | $2.6M | $5.1M | $40.4M | 50% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.