BlastPoint's Banking Scorecard

Century Bank of Kentucky, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 35450

Lawrenceburg, KY

2 branches across KY

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

Century Bank of Kentucky, Inc. 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

+ Profitability Leader: Top 19.1% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 15.87% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 35.3% in tier

Get updates when Century Bank of Kentucky, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$204.3M +4.4% YoY +1.2% QoQ	-$181.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$139.0M +9.9% YoY +0.2% QoQ	-$116.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$185.3M +3.5% YoY +0.8% QoQ	-$142.7M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	2.09% +36.2% YoY +17.6% QoQ	+0.82%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 10.7% in tier
Net Interest Margin ?	3.93% +14.6% YoY +4.2% QoQ	+0.00%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	49.42% -16.9% YoY -12.7% QoQ	-15.87%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 14.9% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	75.01% +6.1% YoY -0.6% QoQ	-1.63%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	18.32% -5.6% YoY +1.1% QoQ	-3.70%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.02% +2.7% YoY +4.1% QoQ	-5.81%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 10.0% in tier
Non-Interest Income / Assets ?	0.12% -4.6% YoY -75.1% QoQ	-0.16%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	61%

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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 (1)

Profitability Leader

growth

#128 of 666 • Top 19.1% in tier

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

Why this signature

Return on Assets: 2.09%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#236 of 666 • Bottom 35.3% 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: 10.02%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

285

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.27%

#285 of 2664 Top 10.7% in $100M-$1B

397

Efficiency Ratio

profitability

Value: 49.42%

Peer Median: 65.29%

#397 of 2664 Top 14.9% in $100M-$1B

Top Weaknesses (1 metrics)

2399

Tier 1 Capital Ratio

capital

Value: 10.02%

Peer Median: 15.83%

#2399 of 2664 Bottom 10.0% in $100M-$1B