BlastPoint's Banking Scorecard
Security Bank and Trust Co.
Designations: ✓ Community bank
Maysville, 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +5.3% year over year ($60.3M on the books).
- Delinquency rate 1.88%.
- Return on assets 2.00%.
- Efficiency ratio 48.27% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.49% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank and Trust Co. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 71.12% below tier average
- + ROA 1.00% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.8M
+1.5% YoY
+0.2% QoQ
|
+$9.4M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$26.8M
-9.7% YoY
-0.1% QoQ
|
-$8.1M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$60.3M
+5.3% YoY
-0.2% QoQ
|
+$8.7M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
2.00%
+23.2% YoY
+5.7% QoQ
|
+1.00% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
Top 11.2% in tier |
| Net Interest Margin ? |
3.78%
+11.7% YoY
+2.6% QoQ
|
-0.13% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
48.27%
-10.0% YoY
-4.3% QoQ
|
-71.12% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Top 7.3% in tier |
| Delinquency Rate ? | 1.88% | +0.40% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
44.49%
-14.3% YoY
+0.2% QoQ
|
-29.72% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
27.76%
+0.7% YoY
-7.8% QoQ
|
+4.27% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.70% | -0.13% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
15.74%
+0.9% YoY
-0.3% QoQ
|
-11.38% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.13%
-7.5% YoY
+97.4% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
51% |
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 |
27.8%
+0.2pp YoY -2.4pp QoQ |
+3.1pp | 24.6% | 23.5% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
9.2%
+0.8pp YoY +0.4pp QoQ |
-4.2pp | 13.4% | 8.6% | 12.5% | 48% |
| CRE |
39.0%
-0.9pp YoY +0.2pp QoQ |
+13.7pp | 25.2% | 37.1% | 41.4% | 82% |
| 1-4 Family |
40.9%
+3.3pp YoY -0.2pp QoQ |
+5.9pp | 35.0% | 41.6% | 31.3% | 64% |
| Consumer |
2.7%
-0.5pp YoY -0.1pp QoQ |
-5.0pp | 7.7% | 4.8% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
15.7%
+0.1pp YoY -0.1pp QoQ |
-2.0pp | 17.7% | 14.0% | 12.6% | 73% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 105 | 482 | 43% |
| Assets per Employee ($) |
$7.2M
+11.7% YoY +0.2% QoQ |
+$994K | $6.2M | $6.3M | $8.8M | 69% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 8 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 1.8% | +0.8pp | 1.0% | 0.3% | 0.4% | 87% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.8% | 1.0% | 10% |
| Allowance Coverage |
0.58x
-94.4% YoY -95.2% QoQ |
-5.83x | 6.41x | 7.45x | 20.23x | 25% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+2.5pp YoY +0.6pp QoQ |
+6.4pp | 6.4% | 13.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$710,000
+24.8% YoY — QoQ |
+$392K | $317,817 | $5.1M | $40.4M | 88% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.