CUMBERLAND SECURITY BANK, INC.

SOMERSET, KY | Small | Est. Aug. 13, 1909, midnight | FDIC #11358 | RSSD #202514 | FDIC
Latest Report: 2025-12-31

CUMBERLAND SECURITY BANK, INC. is asn small FDIC-insured commercial bank headquartered in SOMERSET, KY, established in Aug. 13, 1909, midnight. As of 2025-12-31, the bank reported total assets of $427M and total deposits of $372M. Profitability stands at 3.35% ROA and 24.83% ROE, with a net interest margin of 5.75%. The bank's CET1 capital ratio is 15.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.90%. FDIC Certificate #11358.

Assets

$427M

Deposits

$372M

Loans

$349M

Equity

$55M

Profitability

Return on Assets (ROA) 3.35%
Return on Equity (ROE) 24.83%
Net Interest Margin (NIM) 5.75%
Yield on Assets 7.07%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.90%
NPA Ratio 0.13%
ACL / Loans 2.64%

Capital & Liquidity

CET1 Ratio 15.92%
Tier 1 Capital 15.92%
Total Capital Ratio 17.19%
Leverage Ratio 13.67%
Loan-to-Deposit 94.01%

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