BlastPoint's Banking Scorecard
Independent Correspondent Bankers' Bank, Inc.
Frankfort, KY
Independent Correspondent Bankers' Bank, Inc. has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.8% in tier
- + Non-Interest-Bearing Deposit Share 33.67% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 3.7% in tier
- - Efficiency Drag: Bottom 9.2% in tier
- - Liquidity Overhang: Bottom 24.6% in tier
- - ROA 0.71% below tier average
- - Net Interest Margin 0.71% below tier average
- - Delinquency Rate 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.9M
-1.7% YoY
-1.9% QoQ
|
-$244.1M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.8% in tier |
| Total Loans ? |
$85.6M
+4.7% YoY
-0.7% QoQ
|
-$170.2M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.9% in tier |
| Total Deposits ? |
$102.4M
+49.5% YoY
+35.4% QoQ
|
-$225.6M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.5% in tier |
| Return on Assets ? |
0.56%
-28.2% YoY
-40.7% QoQ
|
-0.71% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.9% in tier |
| Net Interest Margin ? |
3.22%
+13.9% YoY
+1.6% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
83.60%
+11.8% YoY
+14.9% QoQ
|
+18.32% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate ? |
0.97%
-18.0% YoY
-0.8% QoQ
|
+0.08% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
83.57%
-30.0% YoY
-26.7% QoQ
|
+6.94% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
55.69%
-10.1% YoY
+2.0% QoQ
|
+33.67% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.58%
-12.7% YoY
+0.4% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
21.32%
+5.2% YoY
+0.8% QoQ
|
+5.49% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.37%
-3.7% YoY
-77.2% QoQ
|
+0.09% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Top 4.8% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.