BlastPoint's Banking Scorecard
The First National Bank of Russell Springs
Russell Springs, KY
3 branches across KY
The First National Bank of Russell Springs has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 15.65% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.9% in tier
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.5M
+8.4% YoY
+1.0% QoQ
|
+$83.4M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$337.8M
+27.0% YoY
+7.8% QoQ
|
+$82.0M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$425.2M
+7.9% YoY
+0.9% QoQ
|
+$97.2M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.29%
+31.1% YoY
+4.3% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.41%
+15.4% YoY
-0.4% QoQ
|
-0.52% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
49.63%
-13.2% YoY
-1.4% QoQ
|
-15.65% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
85% |
| Delinquency Rate ? |
0.11%
+167.9% YoY
-53.7% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
79.44%
+17.7% YoY
+6.9% QoQ
|
+2.80% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
16.33%
-2.5% YoY
-8.3% QoQ
|
-5.69% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.08%
+213.7% YoY
-50.5% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
10.08%
-0.0% YoY
-1.0% QoQ
|
-5.75% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.5% in tier |
| Non-Interest Income / Assets ? |
0.05%
-3.2% YoY
-76.0% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.