BlastPoint's Banking Scorecard

Bank of Jamestown

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

Jamestown, 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 +0.8% year over year ($192.2M on the books).
Delinquency rate 0.02%.
Return on assets 1.24%.
Efficiency ratio 55.32% vs a 64.48% peer average.
Loan-to-deposit ratio 80.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

Bank of Jamestown has 2 strengths but faces 3 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 12.3% in tier
+ Efficiency Ratio 9.16% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.8% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.40% below tier average

Get updates when Bank of Jamestown releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$263.8M +2.0% YoY +0.4% QoQ	-$122.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$155.5M -1.7% YoY +0.3% QoQ	-$102.9M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$192.2M +0.8% YoY -0.1% QoQ	-$134.5M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.24% -0.2% YoY +2.9% QoQ	-0.08%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	3.59% +4.6% YoY +1.8% QoQ	-0.40%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	55.32% +3.1% YoY -1.3% QoQ	-9.16%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	0.02% +222.2% YoY -46.6% QoQ	-0.89%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	80.89% -2.5% YoY +0.4% QoQ	+2.94%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	25.25% +24.1% YoY +10.5% QoQ	+3.22%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	0.02% +187.9% YoY -34.1% QoQ	-0.65%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	12.96% -0.5% YoY -3.3% QoQ	-2.95%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.14% -3.5% YoY +91.6% QoQ	-0.42%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	32%

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	25.2% +4.9pp YoY +2.4pp QoQ	+3.1pp	22.1%	23.5%	22.2%	66%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	4.5% -0.3pp YoY -0.5pp QoQ	-7.0pp	11.6%	8.6%	12.5%	17%
CRE	60.3% -0.6pp YoY -1.4pp QoQ	+20.7pp	39.5%	37.1%	41.4%	84%
1-4 Family	23.8% +1.3pp YoY +1.1pp QoQ	-8.8pp	32.6%	41.6%	31.3%	38%
Consumer	1.8% +0.2pp YoY 0.0pp QoQ	-2.3pp	4.1%	4.8%	5.0%	44%

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	13.0% -0.1pp YoY -0.4pp QoQ	+0.8pp	12.2%	14.0%	12.6%	75%
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	36 +2 (+5.9%) YoY +1 (+2.9%) QoQ	-23	58	105	482	36%
Assets per Employee ($)	$7.3M -3.6% YoY -2.4% QoQ	-$191K	$7.5M	$6.3M	$8.8M	58%
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	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	15%
Nonaccrual	0.0% 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	5%
Allowance Coverage	61.55x -67.2% YoY +89.8% QoQ	+37.40x	24.15x	7.45x	20.23x	95%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	9.7% -0.5pp YoY +0.4pp QoQ	-2.5pp	12.2%	13.3%	11.6%	35%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	56%
Net Income ($, YTD)	$1.6M +3.1% YoY — QoQ	-$914K	$2.6M	$5.1M	$40.4M	45%

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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 (1)

Credit Quality Leader

growth

#82 of 659 • Top 12.3% in tier

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

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#49 of 1256 • Bottom 3.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

415

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#415 of 2643 Top 15.7% in $100M-$1B

438

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#438 of 2633 Top 16.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available