BlastPoint's Banking Scorecard

Cumberland Valley National Bank & Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 2691

London, KY

14 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Cumberland Valley National Bank & Trust Company has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 33.9% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.14% below tier average
- Efficiency Ratio 3.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$833.1M +5.3% YoY +2.2% QoQ	+$447.1M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 6.8% in tier
Total Loans ?	$555.1M +3.7% YoY -0.1% QoQ	+$299.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 7.7% in tier
Total Deposits ?	$754.5M +5.3% YoY +2.4% QoQ	+$426.5M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 4.5% in tier
Return on Assets ?	0.98% +7.3% YoY -1.2% QoQ	-0.29%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.79% +7.2% YoY +1.3% QoQ	-0.14%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	68.58% -1.9% YoY -0.6% QoQ	+3.29%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.30% -50.8% YoY -34.0% QoQ	-0.59%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	73.57% -1.6% YoY -2.4% QoQ	-3.07%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	25.79% -0.5% YoY +8.0% QoQ	+3.77%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.20% -51.6% YoY -35.5% QoQ	-0.44%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	9.44% -28.0% YoY -0.9% QoQ	-6.39%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 3.9% in tier
Non-Interest Income / Assets ?	0.19% -14.6% YoY -77.8% QoQ	-0.09%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#227 of 666 • Bottom 33.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.44%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

121

Total Deposits

size

Value: $754.48M

Peer Median: $327.97M

#121 of 2664 Top 4.5% in $100M-$1B

182

Total Assets

size

Value: $833.13M

Peer Median: $386.08M

#182 of 2664 Top 6.8% in $100M-$1B

207

Total Loans

size

Value: $555.06M

Peer Median: $255.72M

#207 of 2664 Top 7.7% in $100M-$1B

455

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#455 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (1 metrics)

2560

Tier 1 Capital Ratio

capital

Value: 9.44%

Peer Median: 15.83%

#2560 of 2664 Bottom 3.9% in $100M-$1B