BlastPoint's Banking Scorecard
The Casey County Bank, Inc.
Liberty, KY
5 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 +24.7% year over year ($365.6M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.29%.
- Efficiency ratio 50.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Casey County Bank, Inc. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.02% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.47% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$508.4M
+18.5% YoY
+7.3% QoQ
|
+$121.8M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$226.4M
+14.1% YoY
+0.8% QoQ
|
-$31.9M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$365.6M
+24.7% YoY
+8.4% QoQ
|
+$38.9M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
1.29%
+30.7% YoY
-3.4% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.51%
+14.3% YoY
+3.8% QoQ
|
-0.47% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
50.46%
-13.2% YoY
+3.4% QoQ
|
-14.02% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.10%
-82.9% YoY
-62.5% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
61.92%
-8.5% YoY
-7.0% QoQ
|
-16.03% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
33.47%
+18.6% YoY
+2.0% QoQ
|
+11.44% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Top 11.5% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-81.1% YoY
-60.8% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.63%
+5.7% YoY
-0.6% QoQ
|
-4.28% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.31%
+38.9% YoY
+39.8% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
74% |
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 |
33.5%
+5.2pp YoY +0.7pp QoQ |
+11.3pp | 22.1% | 23.5% | 22.2% | 88% |
| 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 |
16.9%
-0.5pp YoY -1.4pp QoQ |
+5.3pp | 11.6% | 8.6% | 12.5% | 82% |
| CRE |
20.1%
+0.5pp YoY +0.1pp QoQ |
-19.4pp | 39.5% | 37.1% | 41.4% | 18% |
| 1-4 Family |
39.5%
+1.9pp YoY +1.9pp QoQ |
+6.9pp | 32.6% | 41.6% | 31.3% | 69% |
| Consumer |
8.9%
-1.4pp YoY 0.0pp QoQ |
+4.8pp | 4.1% | 4.8% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
+0.6pp YoY -0.1pp QoQ |
-7.2pp | 18.8% | 20.2% | 19.7% | 13% |
| Leverage Ratio |
8.3%
0.0pp YoY -0.5pp QoQ |
-3.9pp | 12.2% | 14.0% | 12.6% | 4% |
| Total Capital Ratio |
12.6%
+0.7pp YoY 0.0pp QoQ |
-7.3pp | 19.9% | 21.3% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+3 (+5.5%) YoY +2 (+3.6%) QoQ |
-1 | 58 | 105 | 482 | 61% |
| Assets per Employee ($) |
$8.8M
+12.4% YoY +3.6% QoQ |
+$1.2M | $7.5M | $6.3M | $8.8M | 77% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 8 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.4pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 18% |
| Allowance Coverage |
15.74x
+534.4% YoY +182.5% QoQ |
-8.41x | 24.15x | 7.45x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+2.7pp YoY -0.2pp QoQ |
+4.5pp | 12.2% | 13.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$3.1M
+45.8% YoY — QoQ |
+$512K | $2.6M | $5.1M | $40.4M | 70% |
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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.