BlastPoint's Banking Scorecard
The First National Bank of Brooksville
Designations: ✓ Community bank
Brooksville, KY
2 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +4.4% year over year ($65.2M on the books).
- Delinquency rate 1.16%.
- Return on assets 0.72%.
- Efficiency ratio 75.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Brooksville has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 43.95% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.7M
+0.3% YoY
-0.9% QoQ
|
+$11.2M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$41.3M
+2.1% YoY
+2.0% QoQ
|
+$6.4M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$65.2M
+4.4% YoY
-1.0% QoQ
|
+$13.5M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
0.72%
-14.5% YoY
-32.3% QoQ
|
-0.28% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
4.34%
+14.1% YoY
+0.5% QoQ
|
+0.43% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
75.45%
-3.8% YoY
-1.6% QoQ
|
-43.95% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
1.16%
+152.8% YoY
+115.9% QoQ
|
-0.32% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
63.36%
-2.3% YoY
+3.0% QoQ
|
-10.85% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
30.52%
-6.8% YoY
+11.6% QoQ
|
+7.03% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.65%
+157.3% YoY
+122.2% QoQ
|
-0.18% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
11.53%
+5.8% YoY
+1.2% QoQ
|
-15.60% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.21%
-7.0% YoY
+103.2% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
30.5%
-2.2pp YoY +3.2pp QoQ |
+5.9pp | 24.6% | 23.5% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.3%
0.0pp YoY -0.1pp QoQ |
-11.1pp | 13.4% | 8.6% | 12.5% | 7% |
| CRE | n/a | n/a | 25.2% | 37.1% | 41.4% | n/a |
| 1-4 Family |
67.0%
+4.1pp YoY +1.8pp QoQ |
+32.0pp | 35.0% | 41.6% | 31.3% | 85% |
| Consumer |
5.9%
+0.3pp YoY -0.1pp QoQ |
-1.8pp | 7.7% | 4.8% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
11.5%
+0.6pp YoY +0.1pp QoQ |
-6.2pp | 17.7% | 14.0% | 12.6% | 35% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+2 (+12.5%) YoY +2 (+12.5%) QoQ |
+6 | 12 | 105 | 482 | 84% |
| Assets per Employee ($) |
$4.1M
-10.9% YoY -11.9% QoQ |
-$2.1M | $6.2M | $6.3M | $8.8M | 21% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.3pp YoY +0.2pp QoQ |
-0.3pp | 1.0% | 0.3% | 0.4% | 59% |
| Nonaccrual |
0.5%
+0.4pp YoY +0.4pp QoQ |
-1.2pp | 1.7% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
0.92x
-61.3% YoY -54.6% QoQ |
-5.49x | 6.41x | 7.45x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.7%
+0.6pp YoY +0.7pp QoQ |
+0.5pp | 0.2% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.5%
-2.0pp YoY -3.1pp QoQ |
+0.1pp | 6.4% | 13.3% | 11.6% | 40% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 23% |
| Net Income ($, YTD) |
$264,000
-15.7% YoY — QoQ |
-$54K | $317,817 | $5.1M | $40.4M | 46% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.