BlastPoint's Banking Scorecard

The Farmers National Bank of Danville

$100M-$1B Specialty: Commercial KY FDIC cert 2740

Danville, KY

15 branches across KY

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

The Farmers National Bank of Danville has 3 strengths but faces 5 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

+ Revenue Diversifier: Top 14.3% in tier
+ Net Interest Margin 0.51% above tier average
+ Efficiency Ratio 2.85% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 3.0% in tier
- Liquidity Strain: Bottom 32.7% in tier
- Capital Constraint: Bottom 43.5% in tier
- Flatlined Growth: Bottom 44.3% in tier
- Delinquency Rate 0.74% 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 ?	$983.4M +0.4% YoY -0.7% QoQ	+$597.3M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 0.5% in tier
Total Loans ?	$784.1M +8.0% YoY +2.2% QoQ	+$528.4M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 0.6% in tier
Total Deposits ?	$862.0M -3.1% YoY -3.0% QoQ	+$534.0M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 0.4% in tier
Return on Assets ?	1.07% -42.7% YoY -20.7% QoQ	-0.20%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	4.44% +2.8% YoY +6.7% QoQ	+0.51%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	62.44% +7.1% YoY -1.8% QoQ	-2.85%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	1.63% +238.2% YoY +257.3% QoQ	+0.74%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	90.96% +11.4% YoY +5.4% QoQ	+14.33%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	19.50% +8.6% YoY -0.8% QoQ	-2.52%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	1.30% +247.5% YoY +261.8% QoQ	+0.67%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Bottom 14.0% in tier
Tier 1 Capital Ratio ?	13.13% +1.8% YoY +0.2% QoQ	-2.70%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.44% +6.3% YoY -73.6% QoQ	+0.16%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 4.0% in tier

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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 (1)

Revenue Diversifier

growth

#96 of 666 • Top 14.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.44%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.07%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Margin Compression

decline

#10 of 305 • Bottom 3.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.07%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Strain

risk

#211 of 643 • Bottom 32.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.96%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Constraint

risk

#48 of 108 • Bottom 43.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 90.96%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.13%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Flatlined Growth

risk

#228 of 512 • Bottom 44.3% 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: 1.07%

(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 (5 metrics)

Total Deposits

size

Value: $861.96M

Peer Median: $327.97M

#11 of 2664 Top 0.4% in $100M-$1B

Total Assets

size

Value: $983.40M

Peer Median: $386.08M

#15 of 2664 Top 0.5% in $100M-$1B

Total Loans

size

Value: $784.07M

Peer Median: $255.72M

#16 of 2664 Top 0.6% in $100M-$1B

108

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.28%

#108 of 2664 Top 4.0% in $100M-$1B

544

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.93%

#544 of 2664 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2291

Nonperforming Asset Ratio

credit_quality

Value: 1.30%

Peer Median: 0.64%

#2291 of 2664 Bottom 14.0% in $100M-$1B

2217

Delinquency Rate

credit_quality

Value: 1.63%

Peer Median: 0.89%

#2217 of 2654 Bottom 16.5% in $100M-$1B

2063

Loan-to-Deposit Ratio

liquidity

Value: 90.96%

Peer Median: 76.64%

#2063 of 2664 Bottom 22.6% in $100M-$1B