BlastPoint

BlastPoint's Banking Scorecard

Bank of Jamestown

$100M-$1B Specialty: Commercial KY FDIC cert 8118

Jamestown, KY

3 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Bank of Jamestown has 2 strengths but faces 2 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

  • + Credit Quality Leader: Top 23.5% in tier
  • + Efficiency Ratio 9.21% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.41% below tier average
Get updates when Bank of Jamestown releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $262.8M
+2.0% YoY -1.3% QoQ
-$123.3M $386.1M
+0.5% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
40%
Total Loans ? $155.1M
+2.6% YoY -2.8% QoQ
-$100.6M $255.7M
+1.1% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
37%
Total Deposits ? $192.5M
+3.9% YoY +0.1% QoQ
-$135.5M $328.0M
+0.1% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
32%
Return on Assets ? 1.21%
+5.8% YoY -10.6% QoQ
-0.06% 1.27%
+12.9% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
50%
Net Interest Margin ? 3.53%
+7.9% YoY -1.7% QoQ
-0.41% 3.93%
+6.0% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
32%
Efficiency Ratio ? 56.07%
+1.0% YoY +8.1% QoQ
-9.21% 65.29%
-4.5% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
71%
Delinquency Rate ? 0.05%
-35.9% YoY +2.8% QoQ
-0.84% 0.89%
+18.8% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
80%
Loan-to-Deposit Ratio ? 80.57%
-1.3% YoY -2.9% QoQ
+3.94% 76.64%
+0.8% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
45%
Non-Interest-Bearing Deposit Share ? 22.86%
+3.5% YoY +4.9% QoQ
+0.84% 22.02%
-1.0% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
58%
Nonperforming Asset Ratio ? 0.03%
-37.9% YoY -2.8% QoQ
-0.61% 0.64%
+19.7% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
82%
Tier 1 Capital Ratio ? 13.40%
+4.4% YoY +1.6% QoQ
-2.43% 15.83%
+1.5% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.07%
+0.1% YoY -74.6% QoQ
-0.21% 0.28%
+9.3% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
35%

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 (1)

Credit Quality Leader

growth
#157 of 664 • Top 23.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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

Top Strengths (2 metrics)

484
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.64%
#484 of 2664 Top 18.1% in $100M-$1B
527
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.89%
#527 of 2654 Top 19.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026