BlastPoint's Banking Scorecard
Meade County Bank
Brandenburg, KY
4 branches across KY
Meade County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.8% in tier
- + ROA 0.07% above tier average
- + Efficiency Ratio 14.03% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.7M
+9.9% YoY
+4.8% QoQ
|
+$83.6M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$384.6M
+9.0% YoY
+2.2% QoQ
|
+$128.9M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$395.7M
+10.4% YoY
+5.1% QoQ
|
+$67.7M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.34%
+45.2% YoY
+14.5% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.50%
+8.5% YoY
+2.7% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
51.26%
-17.4% YoY
-9.7% QoQ
|
-14.03% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.07%
-16.7% YoY
-64.5% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
97.20%
-1.3% YoY
-2.8% QoQ
|
+20.57% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.43%
-4.5% YoY
+3.1% QoQ
|
-0.59% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.06%
-17.4% YoY
-65.4% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
12.67%
+3.9% YoY
+0.7% QoQ
|
-3.17% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.08%
+1.7% YoY
-79.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.