BlastPoint's Banking Scorecard
Century Bank of Kentucky, Inc.
Lawrenceburg, KY
2 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 +6.4% year over year ($188.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.17%.
- Efficiency ratio 49.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Century Bank of Kentucky, Inc. shows strong momentum with 4 strengths and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8.8% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 15.12% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.1M
+7.0% YoY
+1.9% QoQ
|
-$178.5M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$141.5M
+9.2% YoY
+1.8% QoQ
|
-$116.8M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$188.0M
+6.4% YoY
+1.5% QoQ
|
-$138.8M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
2.17%
+48.3% YoY
+3.8% QoQ
|
+0.84% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
Top 9.5% in tier |
| Net Interest Margin ? |
4.03%
+16.0% YoY
+2.5% QoQ
|
+0.05% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
49.36%
-20.2% YoY
-0.1% QoQ
|
-15.12% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
75.29%
+2.6% YoY
+0.4% QoQ
|
-2.66% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
16.70%
-5.0% YoY
-8.8% QoQ
|
-5.33% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.41%
+3.8% YoY
+3.9% QoQ
|
-5.50% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.23%
-8.1% YoY
+96.8% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
16.7%
-0.9pp YoY -1.6pp QoQ |
-5.4pp | 22.1% | 23.5% | 22.2% | 31% |
| 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 |
1.8%
-0.1pp YoY +0.4pp QoQ |
-9.8pp | 11.6% | 8.6% | 12.5% | 6% |
| CRE |
44.9%
-4.3pp YoY -2.3pp QoQ |
+5.4pp | 39.5% | 37.1% | 41.4% | 62% |
| 1-4 Family |
52.3%
+4.4pp YoY +2.1pp QoQ |
+19.7pp | 32.6% | 41.6% | 31.3% | 84% |
| Consumer |
1.5%
-0.1pp YoY -0.1pp QoQ |
-2.6pp | 4.1% | 4.8% | 5.0% | 39% |
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 |
10.4%
+0.4pp YoY +0.4pp QoQ |
-1.8pp | 12.2% | 14.0% | 12.6% | 39% |
| 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 |
24
+1 (+4.3%) YoY 0 QoQ |
-35 | 58 | 105 | 482 | 17% |
| Assets per Employee ($) |
$8.7M
+2.5% YoY +1.9% QoQ |
+$1.2M | $7.5M | $6.3M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.45x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.8%
+6.3pp YoY +0.5pp QoQ |
+11.6pp | 12.2% | 13.3% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 46% |
| Net Income ($, YTD) |
$2.2M
+57.4% YoY — QoQ |
-$337K | $2.6M | $5.1M | $40.4M | 57% |
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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 (1)
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.