BlastPoint

BlastPoint's Banking Scorecard

First Kentucky Bank, Inc.

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

Mayfield, KY

11 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 +0.0% year over year ($508.2M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.26%.
  • Efficiency ratio 67.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.18% 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) →

First Kentucky Bank, Inc. has 1 strength but faces 5 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

  • - Credit Risk Growth: Bottom 0.6% in tier
  • - Credit Quality Pressure: Bottom 15.7% in tier
  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.44% below tier average
  • - Efficiency Ratio 2.92% above tier average
Get updates when First Kentucky Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $585.6M
+1.3% YoY -1.6% QoQ
+$199.0M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $356.6M
+1.3% YoY +1.4% QoQ
+$98.3M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $508.2M
+0.0% YoY -2.2% QoQ
+$181.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.26%
+14.6% YoY +2.2% QoQ
-0.06% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.55%
+8.5% YoY +2.6% QoQ
-0.44% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 67.40%
-3.3% YoY -0.5% QoQ
+2.92% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.26%
+20.3% YoY +12.0% QoQ
-0.66% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 70.18%
+1.2% YoY +3.6% QoQ
-7.77% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 20.95%
-1.1% YoY -2.4% QoQ
-1.08% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.16%
+20.3% YoY +15.3% QoQ
-0.51% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 13.78%
+5.3% YoY +1.6% QoQ
-2.13% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.35%
+2.9% YoY +110.1% QoQ
-0.22% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
80%

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 21.0%
-0.2pp YoY
-0.5pp QoQ
 -1.2pp 22.1% 23.5% 22.2% 49%
Brokered Deposits 1.6%
-0.6pp YoY
0.0pp QoQ
 -6.3pp 7.9% 5.4% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 6.6%
-2.9pp YoY
-1.0pp QoQ
 -4.9pp 11.6% 8.6% 12.5% 30%
CRE 36.3%
+0.8pp YoY
+0.5pp QoQ
 -3.2pp 39.5% 37.1% 41.4% 45%
1-4 Family 35.4%
+3.6pp YoY
+1.5pp QoQ
 +2.7pp 32.6% 41.6% 31.3% 62%
Consumer 10.0%
-0.6pp YoY
-0.3pp QoQ
 +5.9pp 4.1% 4.8% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 13.8%
+0.7pp YoY
+0.2pp QoQ
 -5.0pp 18.8% 20.2% 19.7% 37%
Leverage Ratio 9.3%
+0.4pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 14.0% 12.6% 18%
Total Capital Ratio 15.0%
+0.7pp YoY
+0.2pp QoQ
 -4.9pp 19.9% 21.3% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 114
+3 (+2.7%) YoY
+2 (+1.8%) QoQ
 +55 58 105 482 91%
Assets per Employee ($) $5.1M
-1.3% YoY
-3.3% QoQ
 -$2.4M $7.5M $6.3M $8.8M 16%
Branch Count 11
0 YoY
0 QoQ
 +6 4 8 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 22%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 33%
Allowance Coverage 5.33x
-15.4% YoY
-10.4% QoQ
 -18.82x 24.15x 7.45x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 16.6%
+0.2pp YoY
+0.2pp QoQ
 +4.4pp 12.2% 13.3% 11.6% 76%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 50%
Net Income ($, YTD) $3.7M
+16.2% YoY
— QoQ
 +$1.2M $2.6M $5.1M $40.4M 78%

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 (2)

Credit Risk Growth

risk
#7 of 936 • Bottom 0.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#198 of 1256 • Bottom 15.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

510
Total Deposits
size
Value: $508.18M
Peer Median: $326.73M
#510 of 2643 Top 19.3% in $100M-$1B
538
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#538 of 2643 Top 20.3% in $100M-$1B
544
Total Assets
size
Value: $585.56M
Peer Median: $386.57M
#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026