BlastPoint's Banking Scorecard
Century Bank of Kentucky, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 35450
Designations: ✓ Community bank
Lawrenceburg, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Century Bank of Kentucky, Inc. shows strong momentum with 2 strengths and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$201.9M
+7.2% YoY
+1.2% QoQ
|
-$15.6M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$138.7M
+12.0% YoY
+2.4% QoQ
|
-$505K |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$183.7M
+6.2% YoY
+1.3% QoQ
|
+$73K |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.78%
+33.0% YoY
+21.4% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.77%
+17.3% YoY
+6.2% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
56.64%
-9.6% YoY
-9.2% QoQ
|
-11.09% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.47%
+5.5% YoY
+1.1% QoQ
|
+0.95% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.12%
-5.6% YoY
+7.1% QoQ
|
-4.27% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.46%
-5.3% YoY
+33.1% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
77
77th pctile
Efficiency Ratio
Current: 56.64% · Tier avg: 67.73%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
56
56th pctile
Total Loans
Current: $138.7M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $183.7M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $201.9M · Tier avg: $217.5M
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.47% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.12% · Tier avg: 22.39%
Top Weaknesses
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.12% · Tier avg: 22.39%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.47% · Tier avg: 74.53%
52
52th pctile
Total Assets
Current: $201.9M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $183.7M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $138.7M · Tier avg: $139.2M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
77
77th pctile
Efficiency Ratio
Current: 56.64% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%