BlastPoint's Banking Scorecard
Hyden Citizens Bank
Hyden, KY
4 branches across KY
Hyden Citizens Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.8% in tier
- - Flatlined Growth: Bottom 34.2% in tier
- - ROA 0.25% below tier average
- - Efficiency Ratio 8.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.3M
-0.2% YoY
-1.2% QoQ
|
-$241.7M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.7% in tier |
| Total Loans ? |
$82.5M
-1.0% YoY
+0.4% QoQ
|
-$173.3M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$128.3M
-2.5% YoY
-0.0% QoQ
|
-$199.7M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.7% in tier |
| Return on Assets ? |
1.02%
+33.2% YoY
-2.6% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
4.23%
+12.3% YoY
+6.6% QoQ
|
+0.30% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
73.60%
-9.1% YoY
-1.2% QoQ
|
+8.32% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.34%
+35.6% YoY
-5.2% QoQ
|
-0.55% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
64.28%
+1.6% YoY
+0.5% QoQ
|
-12.36% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
29.16%
+2.3% YoY
+4.7% QoQ
|
+7.14% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.19%
+34.5% YoY
-3.6% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
12.62%
+7.5% YoY
+0.5% QoQ
|
-3.21% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.11%
-8.9% YoY
-80.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.