BlastPoint's Banking Scorecard

Owingsville Banking Company

$100M-$1B Specialty: Agricultural KY FDIC cert 9672

Owingsville, KY

3 branches across KY

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

Owingsville Banking Company has 2 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

+ Net Interest Margin 0.29% above tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.0% in tier
- Capital Thin: Bottom 27.2% in tier
- Credit Quality Pressure: Bottom 49.5% in tier
- ROA 0.62% below tier average
- Efficiency Ratio 13.77% above 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 ?	$101.3M +2.9% YoY -0.0% QoQ	-$284.7M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 0.6% in tier
Total Loans ?	$75.4M +3.3% YoY +0.3% QoQ	-$180.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Bottom 9.3% in tier
Total Deposits ?	$89.7M +2.1% YoY +1.7% QoQ	-$238.3M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Bottom 2.6% in tier
Return on Assets ?	0.65% -40.9% YoY -31.2% QoQ	-0.62%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	4.22% -3.5% YoY -6.2% QoQ	+0.29%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	79.06% +13.1% YoY +10.3% QoQ	+13.77%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.63% +139.8% YoY -2.8% QoQ	-0.26%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	84.09% +1.1% YoY -1.4% QoQ	+7.45%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	21.54% +2.6% YoY +1.5% QoQ	-0.48%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.47% +140.6% YoY -2.5% QoQ	-0.17%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	10.11% +3.2% YoY +1.1% QoQ	-5.72%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 10.9% in tier
Non-Interest Income / Assets ?	0.08% -2.8% YoY -75.7% QoQ	-0.20%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	36%

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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 (3)

Credit Risk Growth

risk

#244 of 973 • Bottom 25.0% 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

Capital Thin

risk

#182 of 666 • Bottom 27.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.11%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#648 of 1308 • Bottom 49.5% in tier

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

Why this signature

Delinquency Rate: 0.63%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2650

Total Assets

size

Value: $101.33M

Peer Median: $386.08M

#2650 of 2664 Bottom 0.6% in $100M-$1B

2597

Total Deposits

size

Value: $89.71M

Peer Median: $327.97M

#2597 of 2664 Bottom 2.6% in $100M-$1B

2417

Total Loans

size

Value: $75.44M

Peer Median: $255.72M

#2417 of 2664 Bottom 9.3% in $100M-$1B

2374

Tier 1 Capital Ratio

capital

Value: 10.11%

Peer Median: 15.83%

#2374 of 2664 Bottom 10.9% in $100M-$1B

2226

Efficiency Ratio

profitability

Value: 79.06%

Peer Median: 65.29%

#2226 of 2664 Bottom 16.5% in $100M-$1B

2174

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.27%

#2174 of 2664 Bottom 18.4% in $100M-$1B