BlastPoint's Banking Scorecard
Farmers & Traders Bank of Campton
Designations: ✓ Community bank
Campton, 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +2.8% year over year ($58.4M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.29%.
- Efficiency ratio 67.26% vs a 119.40% peer average.
- Loan-to-deposit ratio 71.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Traders Bank of Campton demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.34% above tier average
- + ROA 0.29% above tier average
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 52.14% below tier average
- + Delinquency Rate 1.43% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.2M
+2.8% YoY
-2.2% QoQ
|
+$4.8M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$41.7M
+12.9% YoY
-2.3% QoQ
|
+$6.8M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$58.4M
+2.8% YoY
+6.0% QoQ
|
+$6.7M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.29%
+20.6% YoY
-1.3% QoQ
|
+0.29% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
4.45%
+16.1% YoY
-2.5% QoQ
|
+0.54% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
67.26%
-5.9% YoY
+2.9% QoQ
|
-52.14% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.05%
-82.3% YoY
+2.4% QoQ
|
-1.43% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
71.44%
+9.9% YoY
-7.9% QoQ
|
-2.77% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
39.83%
+0.2% YoY
-9.1% QoQ
|
+16.34% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Top 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-80.6% YoY
+2.2% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
12.76%
+4.4% YoY
+6.2% QoQ
|
-14.36% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.16%
-4.5% YoY
+114.2% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
61% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
39.8%
+0.1pp YoY -4.0pp QoQ |
+15.2pp | 24.6% | 23.5% | 22.2% | 90% |
| Brokered Deposits |
5.1%
-1.9pp YoY |
-4.6pp | 9.8% | 5.4% | 8.5% | 42% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.4%
-1.3pp YoY +1.2pp QoQ |
-2.0pp | 13.4% | 8.6% | 12.5% | 56% |
| CRE |
29.5%
-7.1pp YoY -6.1pp QoQ |
+4.3pp | 25.2% | 37.1% | 41.4% | 68% |
| 1-4 Family |
45.0%
+8.4pp YoY +4.3pp QoQ |
+10.0pp | 35.0% | 41.6% | 31.3% | 68% |
| Consumer |
7.8%
-0.6pp YoY -0.1pp QoQ |
+0.2pp | 7.7% | 4.8% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
+0.5pp YoY +0.7pp QoQ |
-25.9pp | 38.7% | 20.2% | 19.7% | 9% |
| Leverage Ratio |
9.2%
+0.1pp YoY +0.1pp QoQ |
-8.5pp | 17.7% | 14.0% | 12.6% | 11% |
| Total Capital Ratio |
13.6%
+0.6pp YoY +0.8pp QoQ |
-26.0pp | 39.7% | 21.3% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+1 (+7.1%) YoY 0 QoQ |
+3 | 12 | 105 | 482 | 73% |
| Assets per Employee ($) |
$4.5M
-4.0% YoY -2.2% QoQ |
-$1.7M | $6.2M | $6.3M | $8.8M | 28% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
21.19x
+427.3% YoY +1.1% QoQ |
+14.78x | 6.41x | 7.45x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.2%
+0.2pp YoY -0.5pp QoQ |
+12.8pp | 6.4% | 13.3% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.7% | 1.7% | 52% |
| Net Income ($, YTD) |
$438,000
+24.1% YoY — QoQ |
+$120K | $317,817 | $5.1M | $40.4M | 67% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.