BlastPoint's Banking Scorecard

First Kentucky Bank, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 21247

Mayfield, KY

11 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

First Kentucky Bank, Inc. has 1 strength 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

+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.47% below tier average
- Efficiency Ratio 2.42% above tier average

Get updates when First Kentucky Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$594.9M +1.0% YoY +1.2% QoQ	+$208.9M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$351.7M +0.9% YoY -0.4% QoQ	+$96.0M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$519.5M +0.1% YoY +2.3% QoQ	+$191.5M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.23% +26.0% YoY +11.1% QoQ	-0.04%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.46% +9.0% YoY +2.7% QoQ	-0.47%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	67.71% -4.7% YoY -3.3% QoQ	+2.42%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.23% -11.8% YoY +17.0% QoQ	-0.66%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	67.71% +0.8% YoY -2.7% QoQ	-8.93%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	21.47% +2.2% YoY -1.8% QoQ	-0.55%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.14% -11.9% YoY +15.1% QoQ	-0.50%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	13.57% +2.9% YoY +1.7% QoQ	-2.26%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.17% +2.4% YoY -75.9% QoQ	-0.11%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	78%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

501

Total Deposits

size

Value: $519.46M

Peer Median: $327.97M

#501 of 2664 Top 18.8% in $100M-$1B

534

Total Assets

size

Value: $594.93M

Peer Median: $386.08M

#534 of 2664 Top 20.0% in $100M-$1B

574

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#574 of 2664 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available