BlastPoint

BlastPoint's Banking Scorecard

FIRST NATIONAL BANK OF KENTUCKY

$100M-$1B Specialty: Commercial KY FDIC cert 2735

Carrollton, KY

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +10.3% year over year ($227.6M on the books).
  • Delinquency rate 0.61%.
  • Return on assets 1.72%.
  • Efficiency ratio 61.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

FIRST NATIONAL BANK OF KENTUCKY shows strong momentum with 4 strengths and 10.6% YoY asset growth

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

  • + Profitability Leader: Top 23.0% in tier
  • + Net Interest Margin 0.37% above tier average
  • + Efficiency Ratio 2.87% below tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when FIRST NATIONAL BANK OF KENTUCKY releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $258.0M
+10.6% YoY +0.4% QoQ
-$128.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $202.4M
+12.9% YoY +0.9% QoQ
-$56.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $227.6M
+10.3% YoY +0.1% QoQ
-$99.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.72%
+59.4% YoY +19.3% QoQ
+0.40% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.36%
+4.9% YoY +2.6% QoQ
+0.37% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 61.61%
-16.2% YoY -7.3% QoQ
-2.87% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.61%
+201.1% YoY -15.1% QoQ
-0.31% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 88.92%
+2.3% YoY +0.8% QoQ
+10.97% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 23.20%
-8.0% YoY +4.3% QoQ
+1.17% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.54%
+245.0% YoY -4.1% QoQ
-0.13% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 9.16%
-24.5% YoY -27.4% QoQ
-6.75% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 2.1% in tier
Non-Interest Income / Assets ? 0.24%
-7.3% YoY +101.9% QoQ
-0.33% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
60%

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 23.2%
-2.0pp YoY
+1.0pp QoQ
 +1.1pp 22.1% 23.5% 22.2% 60%
Brokered Deposits 8.9% +1.1pp 7.9% 5.4% 8.5% 72%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 6.5%
-0.3pp YoY
+0.5pp QoQ
 -5.1pp 11.6% 8.6% 12.5% 29%
CRE 38.4%
+3.5pp YoY
+2.6pp QoQ
 -1.2pp 39.5% 37.1% 41.4% 50%
1-4 Family 47.5%
-1.4pp YoY
-2.7pp QoQ
 +14.8pp 32.6% 41.6% 31.3% 80%
Consumer 1.3%
-0.6pp YoY
-0.2pp QoQ
 -2.8pp 4.1% 4.8% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.2%
+0.4pp YoY
-0.2pp QoQ
 -3.0pp 12.2% 14.0% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 44
-3 (-6.4%) YoY
-2 (-4.3%) QoQ
 -15 58 105 482 46%
Assets per Employee ($) $5.9M
+18.2% YoY
+4.9% QoQ
 -$1.7M $7.5M $6.3M $8.8M 31%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.6%
+0.4pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 58%
Allowance Coverage 2.41x
-64.0% YoY
+16.9% QoQ
 -21.75x 24.15x 7.45x 20.23x 53%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 19.1%
+6.5pp YoY
+3.1pp QoQ
 +6.9pp 12.2% 13.3% 11.6% 85%
Cost of Funds (YTD) 1.9%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 61%
Net Income ($, YTD) $2.2M
+74.9% YoY
— QoQ
 -$377K $2.6M $5.1M $40.4M 56%

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)

Profitability Leader

growth
#153 of 661 • Top 23.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.72%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

611
Return on Assets
profitability
Value: 1.72%
Peer Median: 1.32%
#611 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2589
Tier 1 Capital Ratio
capital
Value: 9.16%
Peer Median: 15.91%
#2589 of 2643 Bottom 2.1% in $100M-$1B
Powered by BlastPoint © 2026