BlastPoint's Banking Scorecard

Bank of Maysville

$100M-$1B Specialty: Other KY FDIC cert 9315

Maysville, KY

3 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Bank of Maysville has 3 strengths but faces 5 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

+ ROA 0.10% above tier average
+ Efficiency Ratio 7.25% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.6% in tier
- Credit Risk Growth: Bottom 22.3% in tier
- Credit Quality Pressure: Bottom 25.2% in tier
- Flatlined Growth: Bottom 44.0% in tier
- Net Interest Margin 0.17% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$163.9M -1.4% YoY +2.3% QoQ	-$222.2M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$87.7M +5.3% YoY -0.7% QoQ	-$168.0M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Bottom 14.8% in tier
Total Deposits ?	$134.5M -0.3% YoY +3.8% QoQ	-$193.5M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.37% +26.4% YoY +9.4% QoQ	+0.10%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.76% +12.2% YoY +4.5% QoQ	-0.17%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	58.03% -6.4% YoY -2.0% QoQ	-7.25%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.16% +1.4% QoQ	-0.73%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	65.21% +5.6% YoY -4.3% QoQ	-11.43%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	18.94% -1.1% YoY +6.6% QoQ	-3.08%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.09% -1.6% QoQ	-0.55%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	29.37% +2.9% YoY +2.1% QoQ	+13.54%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Top 4.2% in tier
Non-Interest Income / Assets ?	0.10% +7.3% YoY -76.5% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	52%

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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 (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Overhang

risk

#124 of 739 • Bottom 16.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.37%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 65.21%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#218 of 973 • Bottom 22.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#330 of 1308 • Bottom 25.2% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#226 of 512 • Bottom 44.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

112

Tier 1 Capital Ratio

capital

Value: 29.37%

Peer Median: 15.83%

#112 of 2664 Top 4.2% in $100M-$1B

Top Weaknesses (3 metrics)

2272

Total Loans

size

Value: $87.68M

Peer Median: $255.72M

#2272 of 2664 Bottom 14.8% in $100M-$1B

2220

Total Deposits

size

Value: $134.47M

Peer Median: $327.97M

#2220 of 2664 Bottom 16.7% in $100M-$1B

2186

Total Assets

size

Value: $163.90M

Peer Median: $386.08M

#2186 of 2664 Bottom 18.0% in $100M-$1B