BlastPoint's Banking Scorecard
The Murray Bank
Murray, KY
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +0.6% year over year ($476.7M on the books).
- Delinquency rate 1.98%.
- Return on assets 1.82%.
- Efficiency ratio 46.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Murray Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.50% above tier average
- + Efficiency Ratio 18.41% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13.8% in tier
- - Net Interest Margin 0.26% below tier average
- - Delinquency Rate 1.06% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$534.1M
+0.7% YoY
-3.0% QoQ
|
+$147.6M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$403.2M
+4.8% YoY
+0.8% QoQ
|
+$144.9M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$476.7M
+0.6% YoY
-2.2% QoQ
|
+$150.0M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.82%
+12.1% YoY
-8.9% QoQ
|
+0.50% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
3.73%
+8.6% YoY
+0.4% QoQ
|
-0.26% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
46.07%
-9.2% YoY
-0.0% QoQ
|
-18.41% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Top 10.3% in tier |
| Delinquency Rate ? |
1.98%
+182.9% YoY
+185.7% QoQ
|
+1.06% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
84.58%
+4.2% YoY
+3.0% QoQ
|
+6.63% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.63%
+5.5% YoY
+0.8% QoQ
|
-1.40% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.50%
+194.5% YoY
+196.9% QoQ
|
+0.83% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
9.96%
-22.2% YoY
-23.5% QoQ
|
-5.95% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.8% in tier |
| Non-Interest Income / Assets ? |
0.22%
-1.0% YoY
+98.6% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
20.6%
+1.1pp YoY +0.2pp QoQ |
-1.5pp | 22.1% | 23.5% | 22.2% | 48% |
| Brokered Deposits |
2.8%
-5.5pp YoY +0.1pp QoQ |
-5.1pp | 7.9% | 5.4% | 8.5% | 37% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+0.8pp YoY +1.4pp QoQ |
+5.3pp | 11.6% | 8.6% | 12.5% | 82% |
| CRE |
27.7%
-0.9pp YoY -0.8pp QoQ |
-11.8pp | 39.5% | 37.1% | 41.4% | 31% |
| 1-4 Family |
40.1%
-0.5pp YoY 0.0pp QoQ |
+7.5pp | 32.6% | 41.6% | 31.3% | 70% |
| Consumer |
2.6%
-0.2pp YoY 0.0pp QoQ |
-1.5pp | 4.1% | 4.8% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
10.0%
+0.9pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 14.0% | 12.6% | 30% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
70
+2 (+2.9%) YoY 0 QoQ |
+11 | 58 | 105 | 482 | 71% |
| Assets per Employee ($) |
$7.6M
-2.2% YoY -3.0% QoQ |
+$112K | $7.5M | $6.3M | $8.8M | 63% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.0%
+1.3pp YoY +1.3pp QoQ |
+1.0pp | 0.9% | 0.8% | 1.0% | 87% |
| Allowance Coverage |
0.79x
-64.3% YoY -61.3% QoQ |
-23.36x | 24.15x | 7.45x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.3%
-0.4pp YoY -2.8pp QoQ |
+9.1pp | 12.2% | 13.3% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$5.0M
+17.4% YoY — QoQ |
+$2.4M | $2.6M | $5.1M | $40.4M | 87% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.