BlastPoint's Banking Scorecard
United Cumberland Bank
Whitley City, KY
7 branches across KY · TN
United Cumberland Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 37.1% in tier
- + Profitability Leader: Top 49.5% in tier
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 7.78% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$459.5M
+6.1% YoY
+1.3% QoQ
|
+$73.4M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$320.6M
+6.3% YoY
+1.9% QoQ
|
+$64.9M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$399.2M
+6.6% YoY
+1.2% QoQ
|
+$71.2M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.91%
+19.0% YoY
+3.7% QoQ
|
+0.64% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.7% in tier |
| Net Interest Margin ? |
4.27%
+4.6% YoY
-0.6% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
57.51%
-5.1% YoY
-1.7% QoQ
|
-7.78% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
1.38%
-29.2% YoY
-10.3% QoQ
|
+0.49% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
80.31%
-0.2% YoY
+0.7% QoQ
|
+3.67% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.52%
-10.9% YoY
-5.6% QoQ
|
-1.50% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.99%
-33.2% YoY
-10.2% QoQ
|
+0.35% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.51%
-0.3% YoY
+0.6% QoQ
|
-4.32% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
-5.7% YoY
-75.4% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Top 11.6% in tier |
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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 (2)
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.