BlastPoint's Banking Scorecard
Jackson County Bank
Mc Kee, KY
3 branches across KY
Jackson County Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 52.6% in tier
- + ROA 0.57% above tier average
- + Efficiency Ratio 14.17% below tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.0% in tier
- - Liquidity Overhang: Bottom 21.0% in tier
- - Deposit Outflow: Bottom 24.1% in tier
- - Credit Quality Pressure: Bottom 48.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.2M
-4.1% YoY
-2.8% QoQ
|
-$215.9M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$72.5M
+2.3% YoY
-0.6% QoQ
|
-$183.2M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.3% in tier |
| Total Deposits ? |
$111.9M
-3.5% YoY
-1.9% QoQ
|
-$216.1M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.3% in tier |
| Return on Assets ? |
1.83%
-2.1% YoY
-5.4% QoQ
|
+0.57% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.60%
+3.6% YoY
+0.0% QoQ
|
+0.67% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
51.12%
-0.4% YoY
+3.3% QoQ
|
-14.17% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.68%
+87.5% YoY
+23.3% QoQ
|
-0.21% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
64.77%
+6.0% YoY
+1.4% QoQ
|
-11.87% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
37.44%
-2.5% YoY
-2.7% QoQ
|
+15.42% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+104.6% YoY
+25.6% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
28.29%
+8.3% YoY
+4.3% QoQ
|
+12.46% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 4.5% in tier |
| Non-Interest Income / Assets ? |
0.11%
-0.3% YoY
-76.2% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
60% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.