BlastPoint's Banking Scorecard

Security Bank and Trust Co.

under $100M Specialty: Other KY FDIC cert 8121

Designations: ✓ Community bank

Maysville, KY

3 branches across KY

541 banks in the under $100M peer group nationally 14 in KY

Security Bank and Trust Co. has 3 strengths but faces 1 concern

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

+ ROA 1.06% above tier average
+ Efficiency Ratio 37.90% below tier average
+ Delinquency Rate 1.28% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.18% below tier average

Get updates when Security Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$71.6M +1.8% YoY +2.8% QoQ	+$9.5M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$26.9M -6.2% YoY -2.9% QoQ	-$7.4M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$60.5M +2.1% YoY +4.6% QoQ	+$8.7M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	1.89% +31.5% YoY +7.9% QoQ	+1.06%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 11.8% in tier
Net Interest Margin ?	3.68% +11.5% YoY +5.1% QoQ	-0.18%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	50.45% -13.1% YoY -2.1% QoQ	-37.90%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.09% -11.8% YoY -1.1% QoQ	-1.28%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	44.42% -8.1% YoY -7.2% QoQ	-19.79%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	30.11% +7.4% YoY +2.6% QoQ	+6.39%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.03% -18.7% YoY -6.7% QoQ	-0.75%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	15.79% +1.0% YoY +0.1% QoQ	-10.89%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.07% -7.7% YoY -76.4% QoQ	-0.60%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	52%

Get Full Access to Security Bank and Trust Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 50.45%

Peer Median: 88.34%

#56 of 541 Top 10.2% in under $100M

Return on Assets

profitability

Value: 1.89%

Peer Median: 0.84%

#65 of 541 Top 11.8% in under $100M

135

Loan-to-Deposit Ratio

liquidity

Value: 44.42%

Peer Median: 64.22%

#135 of 541 Top 24.8% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available