BlastPoint's Banking Scorecard

Meade County Bank

$100M-$1B Specialty: Commercial KY FDIC cert 25173

Brandenburg, 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 +6.2% year over year ($384.4M on the books).
Delinquency rate 0.19%.
Return on assets 1.15%.
Efficiency ratio 57.16% vs a 64.48% peer average.
Loan-to-deposit ratio 100.54% 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) →

Meade County Bank has 2 strengths 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

+ Efficiency Ratio 7.32% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.0% in tier
- Credit Risk Growth: Bottom 41.4% in tier
- Loan-to-Deposit Ratio 22.59% above tier average
- ROA 0.17% below tier average
- Net Interest Margin 0.51% below tier average

Get updates when Meade County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$458.4M +6.2% YoY -2.4% QoQ	+$71.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$386.5M +8.2% YoY +0.5% QoQ	+$128.1M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$384.4M +6.2% YoY -2.9% QoQ	+$57.7M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	1.15% +14.4% YoY -14.1% QoQ	-0.17%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.48% +5.3% YoY -0.8% QoQ	-0.51%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	57.16% -5.4% YoY +11.5% QoQ	-7.32%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.19% +155.4% QoQ	-0.73%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	100.54% +1.9% YoY +3.4% QoQ	+22.59%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	Bottom 9.4% in tier
Non-Interest-Bearing Deposit Share ?	20.34% -8.4% YoY -5.1% QoQ	-1.69%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	0.21% +243.6% QoQ	-0.46%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	12.94% +5.2% YoY +2.2% QoQ	-2.97%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.17% +4.1% YoY +113.3% QoQ	-0.40%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	40%

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	20.3% -1.9pp YoY -1.1pp QoQ	-1.8pp	22.1%	23.5%	22.2%	47%
Brokered Deposits	8.6% +3.9pp YoY +0.2pp QoQ	+0.7pp	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	3.7% -1.5pp YoY -0.6pp QoQ	-7.9pp	11.6%	8.6%	12.5%	13%
CRE	37.4% +2.0pp YoY +0.6pp QoQ	-2.2pp	39.5%	37.1%	41.4%	48%
1-4 Family	51.3% -0.9pp YoY +0.1pp QoQ	+18.6pp	32.6%	41.6%	31.3%	83%
Consumer	3.0% -0.3pp YoY +0.1pp QoQ	-1.1pp	4.1%	4.8%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	12.9% +0.6pp YoY +0.3pp QoQ	-5.9pp	18.8%	20.2%	19.7%	27%
Leverage Ratio	8.8% +0.2pp YoY -0.1pp QoQ	-3.3pp	12.2%	14.0%	12.6%	10%
Total Capital Ratio	13.3% +0.7pp YoY +0.3pp QoQ	-6.6pp	19.9%	21.3%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	49 -6 (-10.9%) YoY -2 (-3.9%) QoQ	-10	58	105	482	52%
Assets per Employee ($)	$9.4M +19.2% YoY +1.6% QoQ	+$1.8M	$7.5M	$6.3M	$8.8M	82%
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	0.2% +0.2pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.3%	0.4%	60%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	7%
Allowance Coverage	1.71x -99.1% YoY -59.7% QoQ	-22.45x	24.15x	7.45x	20.23x	43%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	14.7% +0.8pp YoY -2.7pp QoQ	+2.5pp	12.2%	13.3%	11.6%	66%
Cost of Funds (YTD)	2.6% 0.0pp YoY +0.2pp QoQ	+0.9pp	1.7%	1.7%	1.7%	92%
Net Income ($, YTD)	$2.6M +23.9% YoY — QoQ	+$83K	$2.6M	$5.1M	$40.4M	64%

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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 (2)

Credit Quality Pressure

risk

#353 of 1256 • Bottom 28.0% in tier

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

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#388 of 936 • Bottom 41.4% 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

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 (1 metrics)

593

Total Loans

size

Value: $386.49M

Peer Median: $258.35M

#593 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (1 metrics)

2396

Loan-to-Deposit Ratio

liquidity

Value: 100.54%

Peer Median: 77.95%

#2396 of 2643 Bottom 9.4% in $100M-$1B