BlastPoint's Banking Scorecard

Hyden Citizens Bank

$100M-$1B Specialty: Commercial KY FDIC cert 281

Hyden, KY

4 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 +1.9% year over year ($134.8M on the books).
Delinquency rate 0.55%.
Return on assets 1.57%.
Efficiency ratio 66.50% vs a 64.48% peer average.
Loan-to-deposit ratio 60.22% 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) →

Hyden Citizens Bank has 4 strengths but faces 3 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 46.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.24% above tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 14.5% in tier
- Credit Quality Pressure: Bottom 43.2% in tier
- Efficiency Ratio 2.02% above tier average

Get updates when Hyden Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$148.6M +3.3% YoY +3.0% QoQ	-$237.9M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Bottom 13.7% in tier
Total Loans ?	$81.2M +2.1% YoY -1.5% QoQ	-$177.2M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Bottom 10.9% in tier
Total Deposits ?	$134.8M +1.9% YoY +5.1% QoQ	-$191.9M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.57% +65.5% YoY +54.2% QoQ	+0.24%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	4.22% +10.8% YoY -0.2% QoQ	+0.24%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	66.50% -14.1% YoY -9.7% QoQ	+2.02%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	0.55% +95.8% YoY +62.2% QoQ	-0.37%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	60.22% +0.2% YoY -6.3% QoQ	-17.73%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	26.43% -10.7% YoY -9.4% QoQ	+4.40%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.30% +93.6% YoY +55.1% QoQ	-0.37%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	13.58% +9.4% YoY +7.6% QoQ	-2.33%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.47% +46.9% YoY +320.0% QoQ	-0.10%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 10.6% in tier

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	26.4% -3.2pp YoY -2.7pp QoQ	+4.3pp	22.1%	23.5%	22.2%	71%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	5.2% -1.3pp YoY -1.6pp QoQ	-6.4pp	11.6%	8.6%	12.5%	21%
CRE	41.7% +2.6pp YoY +1.7pp QoQ	+2.2pp	39.5%	37.1%	41.4%	56%
1-4 Family	40.7% -0.8pp YoY -0.7pp QoQ	+8.1pp	32.6%	41.6%	31.3%	71%
Consumer	6.2% +0.4pp YoY +0.3pp QoQ	+2.0pp	4.1%	4.8%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	13.6% +1.2pp YoY +1.0pp QoQ	-5.2pp	18.8%	20.2%	19.7%	35%
Leverage Ratio	9.2% +0.3pp YoY +0.1pp QoQ	-3.0pp	12.2%	14.0%	12.6%	15%
Total Capital Ratio	14.3% +1.2pp YoY +1.0pp QoQ	-5.6pp	19.9%	21.3%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	31 -1 (-3.1%) YoY 0 QoQ	-28	58	105	482	28%
Assets per Employee ($)	$4.8M +6.7% YoY +3.0% QoQ	-$2.7M	$7.5M	$6.3M	$8.8M	12%
Branch Count	4 0 YoY 0 QoQ	-1	4	8	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY +0.2pp QoQ	0.0pp	0.3%	0.3%	0.4%	74%
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	34%
Allowance Coverage	1.77x -51.1% YoY -38.0% QoQ	-22.38x	24.15x	7.45x	20.23x	44%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	23.7% +6.2pp YoY +8.3pp QoQ	+11.5pp	12.2%	13.3%	11.6%	95%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	22%
Net Income ($, YTD)	$1.1M +67.7% YoY — QoQ	-$1.4M	$2.6M	$5.1M	$40.4M	31%

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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

#305 of 661 • Top 46.0% 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: 0.47%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.57%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (2)

Credit Risk Growth

risk

#137 of 936 • Bottom 14.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#544 of 1256 • Bottom 43.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.55%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

280

Non-Interest Income / Assets

revenue_mix

Value: 0.47%

Peer Median: 0.57%

#280 of 2643 Top 10.6% in $100M-$1B

462

Loan-to-Deposit Ratio

liquidity

Value: 60.22%

Peer Median: 77.95%

#462 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (3 metrics)

2356

Total Loans

size

Value: $81.19M

Peer Median: $258.35M

#2356 of 2643 Bottom 10.9% in $100M-$1B

2281

Total Assets

size

Value: $148.62M

Peer Median: $386.57M

#2281 of 2643 Bottom 13.7% in $100M-$1B

2203

Total Deposits

size

Value: $134.82M

Peer Median: $326.73M

#2203 of 2643 Bottom 16.7% in $100M-$1B