BlastPoint's Banking Scorecard
Fredonia Valley Bank
Fredonia, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +13.9% year over year ($105.5M on the books).
- Delinquency rate 1.21%.
- Return on assets 0.93%.
- Efficiency ratio 70.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.39% below tier average
- - Net Interest Margin 0.07% below tier average
- - Efficiency Ratio 5.86% above tier average
- - Delinquency Rate 0.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.8M
+12.2% YoY
-0.5% QoQ
|
-$266.8M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.5% in tier |
| Total Loans ? |
$72.1M
+1.1% YoY
+0.5% QoQ
|
-$186.3M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.6% in tier |
| Total Deposits ? |
$105.5M
+13.9% YoY
-0.6% QoQ
|
-$221.3M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
0.93%
+20.8% YoY
+7.1% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.92%
+4.8% YoY
+2.6% QoQ
|
-0.07% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
70.34%
-5.4% YoY
-5.6% QoQ
|
+5.86% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
1.21%
-30.5% YoY
-3.3% QoQ
|
+0.29% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
68.34%
-11.2% YoY
+1.1% QoQ
|
-9.62% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
23.14%
-8.5% YoY
-9.5% QoQ
|
+1.11% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.73%
-40.2% YoY
-7.8% QoQ
|
+0.06% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.49%
-9.3% YoY
-2.3% QoQ
|
-4.42% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
-23.9% YoY
+113.9% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
39% |
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 |
23.1%
-2.1pp YoY -2.4pp QoQ |
+1.0pp | 22.1% | 23.5% | 22.2% | 59% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
14.8%
+1.1pp YoY -0.2pp QoQ |
+3.2pp | 11.6% | 8.6% | 12.5% | 75% |
| CRE | n/a | n/a | 39.5% | 37.1% | 41.4% | n/a |
| 1-4 Family |
61.3%
+0.4pp YoY -0.1pp QoQ |
+28.7pp | 32.6% | 41.6% | 31.3% | 91% |
| Consumer |
4.6%
0.0pp YoY +0.2pp QoQ |
+0.5pp | 4.1% | 4.8% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-1.2pp YoY -0.3pp QoQ |
-0.7pp | 12.2% | 14.0% | 12.6% | 58% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY -1 (-4.3%) QoQ |
-37 | 58 | 105 | 482 | 14% |
| Assets per Employee ($) |
$5.4M
+12.2% YoY +4.0% QoQ |
-$2.1M | $7.5M | $6.3M | $8.8M | 22% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
-0.4pp YoY +0.1pp QoQ |
+0.5pp | 0.3% | 0.3% | 0.4% | 89% |
| Nonaccrual |
0.4%
-0.1pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
1.29x
+54.8% YoY +3.5% QoQ |
-22.86x | 24.15x | 7.45x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+1.8pp YoY +0.7pp QoQ |
-2.5pp | 12.2% | 13.3% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$551,000
+32.8% YoY — QoQ |
-$2.0M | $2.6M | $5.1M | $40.4M | 12% |
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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.