BlastPoint's Banking Scorecard
Bank of Hindman
Hindman, KY
3 branches across KY
Bank of Hindman faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 16.6% in tier
- - Net Interest Margin 1.93% below tier average
- - ROA 0.84% below tier average
- - Efficiency Ratio 9.73% above tier average
- - Delinquency Rate 0.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$268.1M
+1.3% YoY
+0.0% QoQ
|
-$118.0M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$120.1M
-1.0% YoY
-2.5% QoQ
|
-$135.6M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$217.2M
+1.2% YoY
-0.3% QoQ
|
-$110.8M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.43%
+76.9% YoY
+23.3% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.4% in tier |
| Net Interest Margin ? |
2.00%
+21.7% YoY
+11.0% QoQ
|
-1.93% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio ? |
75.02%
-12.6% YoY
-7.1% QoQ
|
+9.73% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
1.82%
-18.0% YoY
+138.6% QoQ
|
+0.93% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
55.28%
-2.3% YoY
-2.2% QoQ
|
-21.36% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
Top 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.98%
-2.2% YoY
+3.3% QoQ
|
-3.04% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.82%
-19.9% YoY
+132.6% QoQ
|
+0.18% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
15.63%
+2.8% YoY
+2.6% QoQ
|
-0.20% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.04%
-12.3% YoY
-79.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.7% in tier |
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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)
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.