BlastPoint's Banking Scorecard

Citizens Bank of Kentucky, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 2718

Paintsville, KY

12 branches across KY

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

Citizens Bank of Kentucky, Inc. has 1 strength but faces 4 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

+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 43.5% in tier
- ROA 0.32% below tier average
- Net Interest Margin 0.48% below tier average
- Efficiency Ratio 2.91% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$686.0M +1.0% YoY -0.5% QoQ	+$299.9M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 13.2% in tier
Total Loans ?	$337.2M +3.9% YoY +1.6% QoQ	+$81.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$588.8M -0.3% YoY -0.4% QoQ	+$260.8M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 13.1% in tier
Return on Assets ?	0.95% +21.3% YoY +3.2% QoQ	-0.32%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.45% +6.7% YoY +2.3% QoQ	-0.48%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	68.20% -8.0% YoY -2.1% QoQ	+2.91%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.69% -14.8% YoY -6.0% QoQ	-0.20%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	57.27% +4.2% YoY +2.1% QoQ	-19.36%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	30.43% +4.1% YoY +4.5% QoQ	+8.41%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.34% -16.8% YoY -8.3% QoQ	-0.30%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	23.46% +1.3% YoY +0.3% QoQ	+7.63%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 8.0% in tier
Non-Interest Income / Assets ?	0.17% +7.7% YoY -74.1% QoQ	-0.11%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	79%

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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 (1)

Flatlined Growth

risk

#224 of 512 • Bottom 43.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.95%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

215

Tier 1 Capital Ratio

capital

Value: 23.46%

Peer Median: 15.83%

#215 of 2664 Top 8.0% in $100M-$1B

349

Total Deposits

size

Value: $588.82M

Peer Median: $327.97M

#349 of 2664 Top 13.1% in $100M-$1B

352

Total Assets

size

Value: $685.95M

Peer Median: $386.08M

#352 of 2664 Top 13.2% in $100M-$1B

426

Loan-to-Deposit Ratio

liquidity

Value: 57.27%

Peer Median: 76.64%

#426 of 2664 Top 16.0% in $100M-$1B

457

Non-Interest-Bearing Deposit Share

funding

Value: 30.43%

Peer Median: 22.02%

#457 of 2664 Top 17.1% in $100M-$1B

568

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#568 of 2664 Top 21.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available