BlastPoint's Banking Scorecard
First Federal Savings and Loan Association
Designations: ✓ Community bank
Hazard, 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 -4.8% year over year ($56.6M on the books).
- Delinquency rate 1.70%.
- Return on assets 0.95%.
- Efficiency ratio 59.44% vs a 119.40% peer average.
- Loan-to-deposit ratio 129.14% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 59.95% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 54.93% above tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Non-Interest Income / Assets 1.38% below tier average
- - Net Interest Margin 0.61% below tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.3M
-5.2% YoY
-6.7% QoQ
|
+$18.9M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$73.1M
-5.3% YoY
-6.0% QoQ
|
+$38.2M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 4.1% in tier |
| Total Deposits ? |
$56.6M
-4.8% YoY
-7.3% QoQ
|
+$5.0M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
0.95%
+434.6% YoY
+17.0% QoQ
|
-0.05% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.30%
+42.3% YoY
+5.8% QoQ
|
-0.61% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
59.44%
-32.8% YoY
-5.9% QoQ
|
-59.95% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
1.70%
-19.8% YoY
+7.0% QoQ
|
+0.22% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
129.14%
-0.5% YoY
+1.4% QoQ
|
+54.93% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
1.53%
-19.8% YoY
+7.8% QoQ
|
+0.69% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
21.58%
+4.0% YoY
+2.0% QoQ
|
-5.54% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.00%
+135.2% YoY
|
-1.38% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.2% in tier |
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 | n/a | n/a | 24.6% | 23.5% | 22.2% | n/a |
| Brokered Deposits |
13.4%
-6.8pp YoY -3.5pp QoQ |
+3.6pp | 9.8% | 5.4% | 8.5% | 71% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 8.6% | 12.5% | n/a |
| CRE |
19.4%
-1.1pp YoY -2.2pp QoQ |
-5.8pp | 25.2% | 37.1% | 41.4% | 47% |
| 1-4 Family |
80.6%
+1.4pp YoY +2.5pp QoQ |
+45.6pp | 35.0% | 41.6% | 31.3% | 92% |
| Consumer |
0.6%
-0.3pp YoY -0.3pp QoQ |
-7.1pp | 7.7% | 4.8% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
21.6%
+0.8pp YoY +0.4pp QoQ |
+3.9pp | 17.7% | 14.0% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY 0 QoQ |
-2 | 12 | 105 | 482 | 43% |
| Assets per Employee ($) |
$8.1M
-14.7% YoY -6.7% QoQ |
+$1.9M | $6.2M | $6.3M | $8.8M | 81% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.0% | 0.3% | 0.4% | 30% |
| Nonaccrual |
1.6%
-0.5pp YoY +0.1pp QoQ |
-0.2pp | 1.7% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
0.43x
+39.2% YoY +1.2% QoQ |
-5.98x | 6.41x | 7.45x | 20.23x | 15% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.4%
+3.6pp YoY +0.6pp QoQ |
-2.0pp | 6.4% | 13.3% | 11.6% | 30% |
| Cost of Funds (YTD) |
2.2%
-0.4pp YoY 0.0pp QoQ |
+0.8pp | 1.4% | 1.7% | 1.7% | 88% |
| Net Income ($, YTD) |
$403,000
+423.4% YoY — QoQ |
+$85K | $317,817 | $5.1M | $40.4M | 63% |
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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.