BlastPoint's Banking Scorecard
Citizens Bank of Cumberland County, Inc.
Micro
Specialty: Other
KY
FDIC cert 35442
Designations: ✓ Community bank
Burkesville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Citizens Bank of Cumberland County, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.00% 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 ? |
$96.1M
+3.7% YoY
-0.1% QoQ
|
-$121.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$65.5M
+1.6% YoY
+1.3% QoQ
|
-$73.7M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$82.7M
+3.0% YoY
+2.8% QoQ
|
-$100.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
2.08%
-3.8% YoY
+7.0% QoQ
|
+1.00% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.88%
+1.2% YoY
+1.3% QoQ
|
+1.03% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
59.63%
+2.2% YoY
-3.4% QoQ
|
-8.10% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.47%
+1.4% YoY
-5.9% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
79.20%
-1.3% YoY
-1.5% QoQ
|
+4.67% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
21.83%
-23.8% YoY
+0.4% QoQ
|
-0.56% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.32%
-0.6% YoY
-4.6% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| 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 ? |
0.49%
-7.9% YoY
+36.6% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
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
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.63% · Tier avg: 67.73%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.20% · Tier avg: 74.53%
27
27th pctile
Total Loans
Current: $65.5M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $82.7M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $96.1M · Tier avg: $217.5M
Top Weaknesses
21
21th pctile
Total Assets
Current: $96.1M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.7M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $65.5M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.20% · Tier avg: 74.53%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
68
68th pctile
Efficiency Ratio
Current: 59.63% · Tier avg: 67.73%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%