BlastPoint's Banking Scorecard
First & Peoples Bank and Trust Company
Russell, KY
4 branches across KY
First & Peoples Bank and Trust Company faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 5.6% in tier
- - Return on Assets 1.83% below tier average
- - Efficiency Ratio 46.85% above tier average
- - Delinquency Rate 17.15% above tier average
- - Nonperforming Asset Ratio 6.69% above tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$209.3M
-0.6% YoY
+1.5% QoQ
|
-$176.8M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$85.0M
-8.5% YoY
-1.5% QoQ
|
-$170.7M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.4% in tier |
| Total Deposits ? |
$193.1M
-1.5% YoY
+2.2% QoQ
|
-$134.9M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
-0.56%
+78.2% YoY
+17.3% QoQ
|
-1.83% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.5% in tier |
| Net Interest Margin ? |
2.99%
+18.1% YoY
+8.1% QoQ
|
-0.94% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio ? |
112.13%
-1.9% YoY
+3.0% QoQ
|
+46.85% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate ? |
18.04%
-20.3% YoY
-3.6% QoQ
|
+17.15% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.1% in tier |
| Loan-to-Deposit Ratio ? |
44.02%
-7.2% YoY
-3.7% QoQ
|
-32.61% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
Top 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.07%
+11.5% YoY
+2.2% QoQ
|
+2.05% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
7.33%
-26.7% YoY
-6.5% QoQ
|
+6.69% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.2% in tier |
| Tier 1 Capital Ratio ? |
9.18%
+1.1% YoY
-1.4% QoQ
|
-6.65% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.7% in tier |
| Non-Interest Income / Assets ? |
0.14%
-0.4% YoY
-76.8% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.