BlastPoint's Banking Scorecard
United Cumberland Bank
Micro
Specialty: Commercial
KY
FDIC cert 303
Designations: ✓ Community bank
Whitley City, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
United Cumberland Bank shows strong momentum with 1 strength and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.33% 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 ? |
$453.8M
+6.9% YoY
+1.2% QoQ
|
+$236.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$314.5M
+4.6% YoY
+0.9% QoQ
|
+$175.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$394.3M
+7.3% YoY
+1.3% QoQ
|
+$210.7M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.84%
+4.4% YoY
+3.9% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.29%
+1.0% YoY
+0.9% QoQ
|
+0.44% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
58.52%
+0.1% YoY
-0.4% QoQ
|
-9.20% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
1.53%
-7.2% YoY
+13.7% QoQ
|
+0.89% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
79.76%
-2.5% YoY
-0.4% QoQ
|
+5.23% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
21.75%
-1.9% YoY
-1.1% QoQ
|
-0.65% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.10%
-15.3% YoY
+13.7% QoQ
|
+0.65% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.89%
-5.5% YoY
+34.4% QoQ
|
+0.33% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.89%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Total Deposits
Current: $394.3M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $453.8M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $314.5M · Tier avg: $139.2M
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.52% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.76% · Tier avg: 74.53%
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.45%
Top Weaknesses
17
17th pctile
Nonperforming Asset Ratio
Current: 1.10% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.64%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.76% · Tier avg: 74.53%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Efficiency Ratio
Current: 58.52% · Tier avg: 67.73%
72
72th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%
94
94th pctile
Total Loans
Current: $314.5M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $453.8M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $394.3M · Tier avg: $183.7M