BlastPoint's Banking Scorecard
The First National Bank of Manchester
Manchester, KY
6 branches across KY
The First National Bank of Manchester has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 34.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38.6% in tier
- - Cost Spiral: Bottom 60.3% in tier
- - ROA 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.4M
-4.9% YoY
+1.0% QoQ
|
-$154.6M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$154.2M
+1.4% YoY
+0.0% QoQ
|
-$101.6M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$208.5M
-5.9% YoY
+1.1% QoQ
|
-$119.5M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.99%
-1.7% YoY
+65.9% QoQ
|
-0.28% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.60%
+14.8% YoY
+6.4% QoQ
|
+0.67% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
74.03%
+7.6% YoY
-10.8% QoQ
|
+8.75% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
2.19%
+52.7% YoY
+15.2% QoQ
|
+1.30% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.8% in tier |
| Loan-to-Deposit Ratio ? |
73.93%
+7.7% YoY
-1.1% QoQ
|
-2.70% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
45.52%
+7.3% YoY
+1.0% QoQ
|
+23.50% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 2.7% in tier |
| Nonperforming Asset Ratio ? |
1.46%
+62.3% YoY
+12.6% QoQ
|
+0.83% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.8% in tier |
| Tier 1 Capital Ratio ? |
14.42%
+2.3% YoY
+3.1% QoQ
|
-1.41% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.12%
+15.4% YoY
-73.8% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
61% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.