BlastPoint's Banking Scorecard
Cumberland Valley National Bank & Trust Company
Community
Specialty: Commercial
KY
FDIC cert 2691
London, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Cumberland Valley National Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$814.9M
+3.5% YoY
+2.3% QoQ
|
-$576.6M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$555.6M
+5.3% YoY
-0.2% QoQ
|
-$419.9M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$737.0M
+2.8% YoY
+2.3% QoQ
|
-$427.6M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.99%
+43.4% YoY
+5.6% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.74%
+9.3% YoY
+1.0% QoQ
|
+0.07% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
69.02%
-9.3% YoY
-1.4% QoQ
|
+6.38% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.45%
-26.1% YoY
+70.9% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
75.39%
+2.4% YoY
-2.5% QoQ
|
-7.68% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
23.88%
-9.0% YoY
-3.7% QoQ
|
+2.84% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.31%
-24.8% YoY
+66.6% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.83%
-1.8% YoY
+30.6% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#162 of 432 · Bottom 37% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
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
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.88% · Tier avg: 21.05%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
41
41th pctile
Total Deposits
Current: $737.0M · Tier avg: $1.2B
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
37
37th pctile
Total Loans
Current: $555.6M · Tier avg: $975.5M
36
36th pctile
Total Assets
Current: $814.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 69.02% · Tier avg: 62.63%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.39% · Tier avg: 83.06%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.39% · Tier avg: 83.06%
29
29th pctile
Efficiency Ratio
Current: 69.02% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Total Assets
Current: $814.9M · Tier avg: $1.4B
37
37th pctile
Total Loans
Current: $555.6M · Tier avg: $975.5M
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
41
41th pctile
Total Deposits
Current: $737.0M · Tier avg: $1.2B
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.88% · Tier avg: 21.05%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%