BlastPoint's Banking Scorecard
1st Trust Bank, Inc.
Hazard, KY
4 branches across KY
1st Trust Bank, Inc. faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 41.9% in tier
- - Liquidity Strain: Bottom 46.4% in tier
- - ROA 0.62% below tier average
- - Net Interest Margin 0.59% below tier average
- - Efficiency Ratio 6.73% above tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.9M
+8.3% YoY
+4.2% QoQ
|
-$40.2M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$276.5M
+10.5% YoY
+5.9% QoQ
|
+$20.8M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$302.0M
+3.6% YoY
+0.0% QoQ
|
-$26.0M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.65%
+54.2% YoY
-1.9% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.34%
+16.2% YoY
+6.2% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
72.01%
-8.2% YoY
+1.4% QoQ
|
+6.73% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.95%
+512.4% YoY
|
+0.07% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
91.56%
+6.7% YoY
+5.9% QoQ
|
+14.92% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
14.87%
-18.5% YoY
-10.6% QoQ
|
-7.15% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.78%
+324.4% YoY
+534.5% QoQ
|
+0.14% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
9.61%
+0.6% YoY
+0.7% QoQ
|
-6.22% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.7% in tier |
| Non-Interest Income / Assets ? |
0.07%
+21.4% YoY
-75.5% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.