BlastPoint's Banking Scorecard

Bank of Lexington, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 58164

Lexington, KY

4 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Bank of Lexington, Inc. has 5 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.11% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 10.63% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.0% in tier
- Liquidity Strain: Bottom 34.7% in tier
- Liquidity Overhang: Bottom 36.9% in tier
- Capital Constraint: Bottom 47.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$399.4M -12.6% YoY -0.4% QoQ	+$13.3M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$313.2M +7.7% YoY +0.4% QoQ	+$57.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$341.3M -16.4% YoY -2.4% QoQ	+$13.4M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.38% +14.5% YoY -3.3% QoQ	+0.11%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	4.04% +7.3% YoY +1.4% QoQ	+0.11%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	54.66% -3.2% YoY +4.5% QoQ	-10.63%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.77% +28.9% YoY +2.9% QoQ	+15.13%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	31.87% -25.5% YoY -20.7% QoQ	+9.85%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 14.0% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.33% +9.5% YoY -1.4% QoQ	+0.50%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.06% +20.4% YoY -78.2% QoQ	-0.22%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline

#11 of 506 • Bottom 2.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Strain

risk

#224 of 643 • Bottom 34.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.77%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Liquidity Overhang

risk

#274 of 739 • Bottom 36.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.33%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 91.77%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Capital Constraint

risk

#52 of 108 • Bottom 47.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.77%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 16.33%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

374

Non-Interest-Bearing Deposit Share

funding

Value: 31.87%

Peer Median: 22.02%

#374 of 2664 Top 14.0% in $100M-$1B

Top Weaknesses (1 metrics)

2107

Loan-to-Deposit Ratio

liquidity

Value: 91.77%

Peer Median: 76.64%

#2107 of 2664 Bottom 20.9% in $100M-$1B