BlastPoint's Banking Scorecard
1st Trust Bank, Inc.
Hazard, KY
4 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 +4.1% year over year ($309.2M on the books).
- Delinquency rate 0.15%.
- Return on assets 0.75%.
- Efficiency ratio 68.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 95.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st Trust Bank, Inc. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 16.0% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.56% below tier average
- - Efficiency Ratio 3.72% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$351.7M
+8.1% YoY
+1.7% QoQ
|
-$34.9M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$295.4M
+15.6% YoY
+6.8% QoQ
|
+$37.0M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$309.2M
+4.1% YoY
+2.4% QoQ
|
-$17.6M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.75%
+46.1% YoY
+16.3% QoQ
|
-0.57% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.43%
+14.9% YoY
+2.7% QoQ
|
-0.56% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
68.20%
-10.5% YoY
-5.3% QoQ
|
+3.72% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.15%
-85.4% YoY
-84.3% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
95.54%
+11.1% YoY
+4.3% QoQ
|
+17.59% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
13.21%
-22.9% YoY
-11.2% QoQ
|
-8.82% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.14%
-83.8% YoY
-82.0% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
9.65%
+2.5% YoY
+0.4% QoQ
|
-6.26% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.5% in tier |
| Non-Interest Income / Assets ? |
0.14%
+8.7% YoY
+90.0% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
13.2%
-3.9pp YoY -1.7pp QoQ |
-8.9pp | 22.1% | 23.5% | 22.2% | 18% |
| Brokered Deposits |
8.6%
+3.1pp YoY +6.9pp QoQ |
+0.8pp | 7.9% | 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 |
12.7%
-0.2pp YoY -1.8pp QoQ |
+1.2pp | 11.6% | 8.6% | 12.5% | 67% |
| CRE |
51.6%
-0.1pp YoY +0.4pp QoQ |
+12.1pp | 39.5% | 37.1% | 41.4% | 72% |
| 1-4 Family |
32.2%
+1.4pp YoY +1.6pp QoQ |
-0.5pp | 32.6% | 41.6% | 31.3% | 56% |
| Consumer |
3.2%
-1.1pp YoY -0.3pp QoQ |
-0.9pp | 4.1% | 4.8% | 5.0% | 62% |
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 |
9.6%
+0.2pp YoY 0.0pp QoQ |
-2.5pp | 12.2% | 14.0% | 12.6% | 24% |
| 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 |
52
+3 (+6.1%) YoY 0 QoQ |
-7 | 58 | 105 | 482 | 56% |
| Assets per Employee ($) |
$6.8M
+1.9% YoY +1.7% QoQ |
-$755K | $7.5M | $6.3M | $8.8M | 48% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.8pp YoY -0.8pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 58% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
4.63x
+629.0% YoY +544.5% QoQ |
-19.52x | 24.15x | 7.45x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
+2.5pp YoY +1.2pp QoQ |
-3.6pp | 12.2% | 13.3% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.4%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.7% | 1.7% | 86% |
| Net Income ($, YTD) |
$1.3M
+57.2% YoY — QoQ |
-$1.3M | $2.6M | $5.1M | $40.4M | 36% |
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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)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.