BlastPoint's Banking Scorecard

Kentucky Farmers Bank Corporation

$100M-$1B Specialty: Other KY FDIC cert 267

Catlettsburg, KY

5 branches across KY · OH

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

Kentucky Farmers Bank Corporation has 5 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 27.6% in tier
+ ROA 0.76% above tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 4.93% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 30.5% in tier

Get updates when Kentucky Farmers Bank Corporation releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$319.6M +4.1% YoY -3.5% QoQ	-$66.5M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$164.4M +6.1% YoY -1.1% QoQ	-$91.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$270.5M +3.8% YoY -3.0% QoQ	-$57.5M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	2.03% +11.4% YoY -0.2% QoQ	+0.76%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 11.7% in tier
Net Interest Margin ?	4.23% +0.8% YoY -2.2% QoQ	+0.30%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	60.36% -4.0% YoY +4.0% QoQ	-4.93%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.16% -25.4% YoY +123.7% QoQ	-0.72%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	60.79% +2.3% YoY +1.9% QoQ	-15.85%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	26.21% +14.7% YoY +4.0% QoQ	+4.19%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.11% -1.7% YoY +50.1% QoQ	-0.53%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	26.76% +1.3% YoY -3.1% QoQ	+10.92%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 5.1% in tier
Non-Interest Income / Assets ?	0.23% +31.5% YoY -70.5% QoQ	-0.05%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 10.5% in tier

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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 (1)

Revenue Diversifier

growth

#185 of 666 • Top 27.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.03%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#226 of 739 • Bottom 30.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 60.79%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 (4 metrics)

138

Tier 1 Capital Ratio

capital

Value: 26.76%

Peer Median: 15.83%

#138 of 2664 Top 5.1% in $100M-$1B

281

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#281 of 2664 Top 10.5% in $100M-$1B

312

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.27%

#312 of 2664 Top 11.7% in $100M-$1B

528

Loan-to-Deposit Ratio

liquidity

Value: 60.79%

Peer Median: 76.64%

#528 of 2664 Top 19.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available