BlastPoint's Banking Scorecard
Cumberland Security Bank, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 11358
Designations: ✓ Community bank
Somerset, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Cumberland Security Bank, Inc. shows strong momentum with 4 strengths and 16.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.89% above tier
- + Net Interest Margin 1.98% above tier
- + Efficiency Ratio 34.63% below tier
- + Non-Interest-Bearing Deposit Share 14.74% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$427.4M
+16.1% YoY
+1.9% QoQ
|
+$209.9M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$340.2M
+15.2% YoY
+2.6% QoQ
|
+$201.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$371.7M
+16.3% YoY
+3.6% QoQ
|
+$188.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
3.98%
+13.3% YoY
-5.2% QoQ
|
+2.89% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.83%
+7.3% YoY
-1.7% QoQ
|
+1.98% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
33.10%
-11.0% YoY
-2.1% QoQ
|
-34.63% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.15%
+174.4% YoY
-6.9% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
91.52%
-1.0% YoY
-1.0% QoQ
|
+17.00% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
37.14%
-7.2% YoY
-1.7% QoQ
|
+14.74% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.14%
+208.0% YoY
-5.8% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
15.92%
-3.2% YoY
-11.9% QoQ
|
+7.07% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.67%
-11.2% YoY
+30.9% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.98%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.83%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
33.10%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.14%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 3.98% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 33.10% · Tier avg: 67.73%
97
97th pctile
Net Interest Margin
Current: 5.83% · Tier avg: 3.85%
97
97th pctile
Total Loans
Current: $340.2M · Tier avg: $139.2M
93
93th pctile
Total Deposits
Current: $371.7M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $427.4M · Tier avg: $217.5M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.14% · Tier avg: 22.39%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.92% · Tier avg: 8.85%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.52% · Tier avg: 74.53%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.52% · Tier avg: 74.53%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.92% · Tier avg: 8.85%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.14% · Tier avg: 22.39%
92
92th pctile
Total Assets
Current: $427.4M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $371.7M · Tier avg: $183.7M
97
97th pctile
Total Loans
Current: $340.2M · Tier avg: $139.2M
97
97th pctile
Net Interest Margin
Current: 5.83% · Tier avg: 3.85%
99
99th pctile
Efficiency Ratio
Current: 33.10% · Tier avg: 67.73%
100
100th pctile
Return on Assets
Current: 3.98% · Tier avg: 1.08%