BlastPoint's Banking Scorecard
The Murray Bank
Murray, KY
3 branches across KY
The Murray Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 29.3% in tier
- + Efficiency Ratio 19.21% below tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$550.9M
+6.8% YoY
+0.4% QoQ
|
+$164.8M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$400.2M
+5.1% YoY
+0.4% QoQ
|
+$144.5M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$487.6M
+3.5% YoY
-0.0% QoQ
|
+$159.6M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.99%
+30.2% YoY
+20.7% QoQ
|
+0.73% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Top 12.7% in tier |
| Net Interest Margin ? |
3.72%
+11.6% YoY
+3.9% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
46.07%
-6.2% YoY
-7.4% QoQ
|
-19.21% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Top 10.0% in tier |
| Delinquency Rate ? |
0.69%
+8.3% QoQ
|
-0.19% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
82.08%
+1.5% YoY
+0.4% QoQ
|
+5.44% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
20.46%
+1.1% YoY
-0.1% QoQ
|
-1.56% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.50%
+8.3% QoQ
|
-0.13% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
13.02%
+3.9% YoY
+1.1% QoQ
|
-2.82% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.11%
+4.3% YoY
-73.8% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
59% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.