BlastPoint's Banking Scorecard
Cumberland Security Bank, Inc.
Somerset, KY
4 branches across KY
Cumberland Security Bank, Inc. has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 8.5% in tier
- + Revenue Diversifier: Top 30.5% in tier
- + Profitability Leader: Top 36.0% in tier
- + Efficiency Ratio 30.10% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.4% in tier
- - Liquidity Overhang: Bottom 28.2% in tier
- - Credit Risk Growth: Bottom 42.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$416.6M
+11.8% YoY
-2.5% QoQ
|
+$30.5M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$343.3M
+10.1% YoY
+0.9% QoQ
|
+$87.6M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$358.2M
+11.6% YoY
-3.6% QoQ
|
+$30.3M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
3.89%
+3.4% YoY
-2.3% QoQ
|
+2.62% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Top 0.6% in tier |
| Net Interest Margin ? |
5.71%
+1.9% YoY
-2.1% QoQ
|
+1.78% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Top 2.2% in tier |
| Efficiency Ratio ? |
35.19%
-5.3% YoY
+6.3% QoQ
|
-30.10% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Top 1.8% in tier |
| Delinquency Rate ? |
0.18%
+270.6% YoY
+18.4% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
95.83%
-1.3% YoY
+4.7% QoQ
|
+19.20% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.91%
+1.2% YoY
+7.5% QoQ
|
+17.89% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.16%
+304.7% YoY
+20.3% QoQ
|
-0.47% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
16.72%
+1.3% YoY
+5.0% QoQ
|
+0.89% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.17%
-4.5% YoY
-74.6% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
79% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.