BlastPoint's Banking Scorecard

Farmers & Traders Bank of Campton

under $100M Specialty: Commercial KY FDIC cert 288

Designations: ✓ Community bank

Campton, KY

537 banks in the under $100M peer group nationally 14 in KY

Farmers & Traders Bank of Campton demonstrates 5 strengths

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

+ Non-Interest-Bearing Deposit Share 20.04% above tier average
+ ROA 0.45% above tier average
+ Net Interest Margin 0.69% above tier average
+ Efficiency Ratio 22.25% below tier average
+ Delinquency Rate 1.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$68.7M +3.4% YoY +1.6% QoQ	+$6.5M	$62.3M -0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.0% YoY	55%
Total Loans ?	$42.7M +14.7% YoY +6.0% QoQ	+$8.4M	$34.3M -1.5% YoY	$492.7M +5.5% YoY	$3.2B +10.7% YoY	67%
Total Deposits ?	$55.0M -3.7% YoY +0.1% QoQ	+$3.2M	$51.8M -0.6% YoY	$590.5M +4.1% YoY	$4.8B +8.0% YoY	53%
Return on Assets ?	1.31% +40.7% YoY +6.5% QoQ	+0.45%	0.86% -3.6% YoY	1.25% +16.2% YoY	1.24% +13.1% YoY	68%
Net Interest Margin ?	4.56% +22.9% YoY +15.3% QoQ	+0.69%	3.87% +2.7% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	65.38% -12.1% YoY -3.9% QoQ	-22.25%	87.63% +2.3% YoY	64.22% -6.1% YoY	66.84% -3.8% YoY	64%
Delinquency Rate ?	0.05% -79.4% YoY -5.7% QoQ	-1.31%	1.36% +33.7% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	77.55% +19.1% YoY +6.0% QoQ	+13.44%	64.11% -0.9% YoY	80.71% +1.5% YoY	76.69% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	43.82% +12.5% YoY +3.1% QoQ	+20.04%	23.79% +0.5% YoY	23.47% -1.8% YoY	22.01% -1.1% YoY	Top 6.7% in tier
Nonperforming Asset Ratio ?	0.03% -77.2% YoY -1.6% QoQ	-0.74%	0.77% +28.7% YoY	0.61% +22.3% YoY	0.66% +19.3% YoY	67%
Tier 1 Capital Ratio ?	12.02% +1.5% YoY -3.6% QoQ	-14.75%	26.77% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.08% -6.9% YoY -79.2% QoQ	-0.59%	0.67% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.0% YoY	59%

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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 (0)

No matched strength signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 43.82%

Peer Median: 23.79%

#37 of 537 Top 6.7% in under $100M

119

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.87%

#119 of 537 Top 22.0% in under $100M

Top Weaknesses (1 metrics)

413

Tier 1 Capital Ratio

capital

Value: 12.02%

Peer Median: 26.77%

#413 of 537 Bottom 23.3% in under $100M