BlastPoint's Banking Scorecard
Fredonia Valley Bank
Fredonia, KY
2 branches across KY
Fredonia Valley Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 9.25% above tier average
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.4M
+12.6% YoY
+4.0% QoQ
|
-$265.7M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.0% in tier |
| Total Loans ? |
$71.7M
+3.6% YoY
-0.1% QoQ
|
-$184.0M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.1% in tier |
| Total Deposits ? |
$106.1M
+13.7% YoY
+4.9% QoQ
|
-$221.9M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.4% in tier |
| Return on Assets ? |
0.87%
+15.4% YoY
+2.4% QoQ
|
-0.40% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.82%
+4.4% YoY
-1.4% QoQ
|
-0.11% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
74.53%
-3.4% YoY
+6.0% QoQ
|
+9.25% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
1.25%
-16.9% YoY
-49.5% QoQ
|
+0.36% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
67.58%
-8.9% YoY
-4.8% QoQ
|
-9.05% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
25.58%
-3.9% YoY
+4.6% QoQ
|
+3.56% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.79%
-18.9% YoY
-52.4% QoQ
|
+0.15% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.76%
-5.6% YoY
-1.3% QoQ
|
-4.07% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.08%
-31.7% YoY
-80.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
37% |
Get Full Access to Fredonia Valley Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.