BlastPoint's Banking Scorecard

Edmonton State Bank

$1B-$10B Specialty: Commercial KY FDIC cert 9678

Designations: ✓ Community bank

Glasgow, KY

18 branches across KY · TN

884 banks in the $1B-$10B peer group nationally 17 in KY

Edmonton State Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 30.8% in tier
+ Deposit Franchise: Top 58.1% in tier
+ Efficiency Ratio 15.57% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 41.9% in tier

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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 ?	$1.2B +7.3% YoY +2.7% QoQ	-$1.6B	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 14.4% in tier
Total Loans ?	$893.1M +7.2% YoY +2.9% QoQ	-$1.1B	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$1.0B +7.4% YoY +3.3% QoQ	-$1.3B	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	2.50% +4.9% YoY +2.3% QoQ	+1.13%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 3.6% in tier
Net Interest Margin ?	4.70% +0.4% YoY -2.2% QoQ	+0.88%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 8.3% in tier
Efficiency Ratio ?	45.49% -1.5% YoY -1.8% QoQ	-15.57%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 11.8% in tier
Delinquency Rate ?	0.30% +243.2% YoY +22.7% QoQ	-0.59%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	87.86% -0.2% YoY -0.3% QoQ	+3.66%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	28.69% -4.6% YoY +1.2% QoQ	+7.40%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.23% +242.9% YoY +23.1% QoQ	-0.44%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	11.38% +0.6% YoY +4.4% QoQ	-3.78%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.15% -19.3% YoY -77.3% QoQ	-0.11%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	54%

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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 (2)

Profitability Leader

growth

#69 of 221 • Top 30.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.50%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#51 of 86 • Top 58.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 28.69%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.70%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#177 of 420 • Bottom 41.9% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.37%

#33 of 884 Top 3.6% in $1B-$10B

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.82%

#74 of 884 Top 8.3% in $1B-$10B

105

Efficiency Ratio

profitability

Value: 45.49%

Peer Median: 61.06%

#105 of 884 Top 11.8% in $1B-$10B

166

Non-Interest-Bearing Deposit Share

funding

Value: 28.69%

Peer Median: 21.29%

#166 of 884 Top 18.7% in $1B-$10B

Top Weaknesses (4 metrics)

758

Total Assets

size

Value: $1.17B

Peer Median: $2.82B

#758 of 884 Bottom 14.4% in $1B-$10B

744

Total Deposits

size

Value: $1.02B

Peer Median: $2.34B

#744 of 884 Bottom 16.0% in $1B-$10B

693

Tier 1 Capital Ratio

capital

Value: 11.38%

Peer Median: 15.16%

#693 of 884 Bottom 21.7% in $1B-$10B

671

Total Loans

size

Value: $893.06M

Peer Median: $1.96B

#671 of 884 Bottom 24.2% in $1B-$10B