BlastPoint's Banking Scorecard

First Federal Savings Bank of Kentucky

$100M-$1B Specialty: Mortgage KY FDIC cert 29937

Frankfort, KY

6 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

First Federal Savings Bank of Kentucky has 1 strength but faces 8 concerns

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

+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 7.5% in tier
- Deposit Outflow: Bottom 40.1% in tier
- Liquidity Strain: Bottom 42.9% in tier
- Capital Constraint: Bottom 62.0% in tier
- Non-Interest-Bearing Deposit Share 16.20% below tier average
- ROA 0.61% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 7.06% above tier average

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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 ?	$287.8M -2.8% YoY -0.4% QoQ	-$98.2M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$251.0M -0.7% YoY -0.4% QoQ	-$4.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$213.8M -4.4% YoY -0.1% QoQ	-$114.2M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.66% +777.8% YoY +98.9% QoQ	-0.61%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	3.22% +35.8% YoY +17.9% QoQ	-0.71%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	72.35% -23.4% YoY -13.9% QoQ	+7.06%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.48% -42.7% YoY -1.2% QoQ	-0.41%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	117.44% +3.9% YoY -0.2% QoQ	+40.80%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 1.3% in tier
Non-Interest-Bearing Deposit Share ?	5.82% +10.8% YoY +12.3% QoQ	-16.20%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Bottom 4.5% in tier
Nonperforming Asset Ratio ?	0.41% -41.4% YoY -1.1% QoQ	-0.22%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	10.55% +5.7% YoY +1.8% QoQ	-5.28%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.05% +55.4% YoY -73.9% QoQ	-0.23%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	18%

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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 (4)

Capital Thin

risk

#51 of 666 • Bottom 7.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.55%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#204 of 506 • Bottom 40.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Strain

risk

#277 of 643 • Bottom 42.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 117.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#68 of 108 • Bottom 62.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 117.44%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 10.55%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2630

Loan-to-Deposit Ratio

liquidity

Value: 117.44%

Peer Median: 76.64%

#2630 of 2664 Bottom 1.3% in $100M-$1B

2546

Non-Interest-Bearing Deposit Share

funding

Value: 5.82%

Peer Median: 22.02%

#2546 of 2664 Bottom 4.5% in $100M-$1B

2216

Tier 1 Capital Ratio

capital

Value: 10.55%

Peer Median: 15.83%

#2216 of 2664 Bottom 16.9% in $100M-$1B

2178

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2178 of 2664 Bottom 18.3% in $100M-$1B

2174

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2174 of 2664 Bottom 18.4% in $100M-$1B

2154

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.27%

#2154 of 2664 Bottom 19.2% in $100M-$1B