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

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
Deposits +3.9% year over year ($1.0B on the books).
Delinquency rate 0.33%.
Return on assets 2.44%.
Efficiency ratio 45.91% vs a 59.73% peer average.
Loan-to-deposit ratio 91.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY

View $1B-$10B leaderboard (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 36.5% in tier
+ Deposit Franchise: Top 51.2% in tier
+ Efficiency Ratio 13.81% below tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 46.0% in tier

Get updates when Edmonton State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$1.2B +4.2% YoY -1.3% QoQ	-$1.6B	$2.8B -0.6% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Bottom 13.9% in tier
Total Loans ?	$917.8M +10.4% YoY +2.8% QoQ	-$1.0B	$2.0B -0.3% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$1.0B +3.9% YoY -1.6% QoQ	-$1.3B	$2.3B -0.5% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	2.44% +2.9% YoY -2.3% QoQ	+1.05%	1.39% +17.0% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Top 4.5% in tier
Net Interest Margin ?	4.80% +1.1% YoY +2.2% QoQ	+0.93%	3.87% +6.2% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	Top 7.5% in tier
Efficiency Ratio ?	45.91% -3.6% YoY +0.9% QoQ	-13.81%	59.73% -12.6% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	Top 13.8% in tier
Delinquency Rate ?	0.33% +146.2% YoY +8.4% QoQ	-0.54%	0.87% +11.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	91.75% +6.3% YoY +4.4% QoQ	+6.72%	85.04% -0.1% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	29.69% +2.8% YoY +3.5% QoQ	+8.42%	21.27% -1.5% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	0.26% +160.8% YoY +12.9% QoQ	-0.41%	0.67% +11.7% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	11.47% +3.7% YoY +0.8% QoQ	-3.37%	14.84% -0.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.34% -2.0% YoY +123.5% QoQ	-0.19%	0.53% +2.5% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	59%

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	29.7% +0.8pp YoY +1.0pp QoQ	+8.3pp	21.4%	23.5%	22.2%	84%
Brokered Deposits	n/a	n/a	9.5%	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	5.2% -1.5pp YoY -0.3pp QoQ	-8.8pp	14.0%	8.6%	12.5%	19%
CRE	44.1% -0.5pp YoY -0.5pp QoQ	-5.9pp	50.0%	37.1%	41.4%	34%
1-4 Family	35.5% +3.5pp YoY +1.0pp QoQ	+9.1pp	26.4%	41.6%	31.3%	76%
Consumer	6.7% -0.9pp YoY -0.2pp QoQ	+2.0pp	4.7%	4.8%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	20.2%	19.7%	n/a
Leverage Ratio	11.5% +0.4pp YoY +0.1pp QoQ	+0.2pp	11.3%	14.0%	12.6%	69%
Total Capital Ratio	n/a	n/a	16.7%	21.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	193 +7 (+3.8%) YoY +2 (+1.0%) QoQ	-121	313	105	482	39%
Assets per Employee ($)	$6.0M +0.4% YoY -2.3% QoQ	-$4.5M	$10.5M	$6.3M	$8.8M	12%
Branch Count	18 0 YoY 0 QoQ	-2	20	8	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.2%	0.3%	0.4%	89%
Nonaccrual	0.1% 0.0pp YoY +0.1pp QoQ	-0.8pp	0.8%	0.8%	1.0%	8%
Allowance Coverage	3.45x -59.6% YoY -5.2% QoQ	-15.26x	18.71x	7.45x	20.23x	68%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	20.7% +1.1pp YoY -0.7pp QoQ	+8.1pp	12.6%	13.3%	11.6%	92%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.7%	1.7%	21%
Net Income ($, YTD)	$14.1M +12.2% YoY — QoQ	-$5.2M	$19.2M	$5.1M	$40.4M	57%

Get Full Access to Edmonton State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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

#82 of 222 • Top 36.5% in tier

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

Why this signature

Return on Assets: 2.44%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Franchise

growth

#42 of 80 • Top 51.2% 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: 29.69%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.80%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#167 of 361 • Bottom 46.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.75%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.44%

Peer Median: 1.39%

#41 of 885 Top 4.5% in $1B-$10B

Net Interest Margin

profitability

Value: 4.80%

Peer Median: 3.87%

#67 of 885 Top 7.5% in $1B-$10B

123

Efficiency Ratio

profitability

Value: 45.91%

Peer Median: 59.73%

#123 of 885 Top 13.8% in $1B-$10B

143

Non-Interest-Bearing Deposit Share

funding

Value: 29.69%

Peer Median: 21.27%

#143 of 885 Top 16.0% in $1B-$10B

Top Weaknesses (2 metrics)

763

Total Assets

size

Value: $1.15B

Peer Median: $2.79B

#763 of 885 Bottom 13.9% in $1B-$10B

745

Total Deposits

size

Value: $1.00B

Peer Median: $2.32B

#745 of 885 Bottom 15.9% in $1B-$10B