BlastPoint's Banking Scorecard

United Cumberland Bank

$100M-$1B Specialty: Commercial KY FDIC cert 303

Whitley City, KY

7 branches across KY · TN

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 +3.2% year over year ($399.3M on the books).
Delinquency rate 1.41%.
Return on assets 1.93%.
Efficiency ratio 58.25% vs a 64.48% peer average.
Loan-to-deposit ratio 83.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

United Cumberland Bank has 4 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 37.8% in tier
+ Profitability Leader: Top 49.5% in tier
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 6.23% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.49% above tier average

Get updates when United Cumberland Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$460.2M +3.1% YoY +0.2% QoQ	+$73.6M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$333.6M +8.8% YoY +4.1% QoQ	+$75.2M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$399.3M +3.2% YoY +0.0% QoQ	+$72.6M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.93% +15.5% YoY +0.8% QoQ	+0.61%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Top 15.0% in tier
Net Interest Margin ?	4.31% +3.2% YoY +0.9% QoQ	+0.32%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	58.25% -2.9% YoY +1.3% QoQ	-6.23%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	1.41% -13.8% YoY +2.3% QoQ	+0.49%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	83.53% +5.4% YoY +4.0% QoQ	+5.58%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	21.55% -5.0% YoY +5.0% QoQ	-0.48%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	1.05% -14.5% YoY +6.1% QoQ	+0.38%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	11.47% +0.3% YoY -0.3% QoQ	-4.44%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.44% -1.0% YoY +100.6% QoQ	-0.13%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 11.9% in tier

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	21.5% -1.1pp YoY +1.0pp QoQ	-0.6pp	22.1%	23.5%	22.2%	52%
Brokered Deposits	1.0% -0.3pp YoY 0.0pp QoQ	-6.9pp	7.9%	5.4%	8.5%	19%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	7.5% +0.2pp YoY -0.4pp QoQ	-4.0pp	11.6%	8.6%	12.5%	36%
CRE	33.0% -4.0pp YoY -1.1pp QoQ	-6.5pp	39.5%	37.1%	41.4%	40%
1-4 Family	50.0% +4.8pp YoY +1.8pp QoQ	+17.4pp	32.6%	41.6%	31.3%	82%
Consumer	7.7% -1.0pp YoY -0.1pp QoQ	+3.6pp	4.1%	4.8%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.2%	19.7%	n/a
Leverage Ratio	11.5% 0.0pp YoY 0.0pp QoQ	-0.7pp	12.2%	14.0%	12.6%	57%
Total Capital Ratio	n/a	n/a	19.9%	21.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	92 +4 (+4.5%) YoY +2 (+2.2%) QoQ	+33	58	105	482	83%
Assets per Employee ($)	$5.0M -1.4% YoY -2.0% QoQ	-$2.5M	$7.5M	$6.3M	$8.8M	15%
Branch Count	7 0 YoY 0 QoQ	+2	4	8	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.4% -0.2pp YoY 0.0pp QoQ	+0.5pp	0.9%	0.8%	1.0%	80%
Allowance Coverage	1.00x +8.5% YoY -5.9% QoQ	-23.15x	24.15x	7.45x	20.23x	27%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	17.7% +1.6pp YoY 0.0pp QoQ	+5.5pp	12.2%	13.3%	11.6%	81%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	50%
Net Income ($, YTD)	$4.4M +21.7% YoY — QoQ	+$1.9M	$2.6M	$5.1M	$40.4M	83%

Get Full Access to United Cumberland Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Revenue Diversifier

growth

#251 of 661 • Top 37.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.44%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.93%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#328 of 661 • Top 49.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.93%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

316

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#316 of 2643 Top 11.9% in $100M-$1B

397

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.32%

#397 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (2 metrics)

2138

Nonperforming Asset Ratio

credit_quality

Value: 1.05%

Peer Median: 0.67%

#2138 of 2643 Bottom 19.1% in $100M-$1B

2116

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.92%

#2116 of 2633 Bottom 19.7% in $100M-$1B