BlastPoint's Banking Scorecard
Cumberland Security Bank, Inc.
Somerset, KY
4 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits +0.4% year over year ($359.4M on the books).
- Delinquency rate 0.17%.
- Return on assets 4.50%.
- Efficiency ratio 32.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cumberland Security Bank, Inc. has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 7.2% in tier
- + Profitability Leader: Top 15.4% in tier
- + Revenue Diversifier: Top 31.3% in tier
- + Efficiency Ratio 32.37% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.4% in tier
- - Credit Quality Pressure: Bottom 23.5% in tier
- - Liquidity Strain: Bottom 23.7% in tier
- - Liquidity Overhang: Bottom 28.6% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$420.1M
+1.4% YoY
+0.8% QoQ
|
+$33.5M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$336.9M
+3.8% YoY
-1.9% QoQ
|
+$78.5M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$359.4M
+0.4% YoY
+0.3% QoQ
|
+$32.7M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
4.50%
+8.8% YoY
+15.8% QoQ
|
+3.18% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
Top 0.6% in tier |
| Net Interest Margin ? |
6.33%
+6.2% YoY
+10.9% QoQ
|
+2.34% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 1.1% in tier |
| Efficiency Ratio ? |
32.11%
-7.5% YoY
-8.8% QoQ
|
-32.37% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
0.17%
+925.6% YoY
-6.1% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
93.74%
+3.4% YoY
-2.2% QoQ
|
+15.79% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
39.94%
+0.1% YoY
+0.1% QoQ
|
+17.91% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Top 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+418.4% YoY
-7.8% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
17.65%
+3.2% YoY
+5.6% QoQ
|
+1.74% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.35%
+3.8% YoY
+104.2% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
39.9%
0.0pp YoY 0.0pp QoQ |
+17.8pp | 22.1% | 23.5% | 22.2% | 95% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
-2.3pp YoY -0.2pp QoQ |
-1.9pp | 11.6% | 8.6% | 12.5% | 50% |
| CRE |
55.3%
+4.2pp YoY -0.1pp QoQ |
+15.8pp | 39.5% | 37.1% | 41.4% | 78% |
| 1-4 Family |
26.7%
-1.5pp YoY -0.1pp QoQ |
-5.9pp | 32.6% | 41.6% | 31.3% | 44% |
| Consumer |
2.1%
-0.4pp YoY -0.1pp QoQ |
-2.0pp | 4.1% | 4.8% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.6%
+0.5pp YoY +0.9pp QoQ |
-1.2pp | 18.8% | 20.2% | 19.7% | 68% |
| Leverage Ratio |
14.1%
+0.1pp YoY +0.8pp QoQ |
+2.0pp | 12.2% | 14.0% | 12.6% | 82% |
| Total Capital Ratio |
18.9%
+0.6pp YoY +0.9pp QoQ |
-1.0pp | 19.9% | 21.3% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
63
+1 (+1.6%) YoY +1 (+1.6%) QoQ |
+4 | 58 | 105 | 482 | 66% |
| Assets per Employee ($) |
$6.7M
-0.2% YoY -0.8% QoQ |
-$851K | $7.5M | $6.3M | $8.8M | 46% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 27% |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 24% |
| Allowance Coverage |
16.75x
-89.5% YoY +9.9% QoQ |
-7.40x | 24.15x | 7.45x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
33.2%
+2.0pp YoY +3.9pp QoQ |
+21.0pp | 12.2% | 13.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$9.5M
+19.1% YoY — QoQ |
+$6.9M | $2.6M | $5.1M | $40.4M | 98% |
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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.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.