CUMBERLAND FEDERAL BANK, FSB

CUMBERLAND, WI | Small | Est. Jan. 1, 1934, midnight | FDIC #29293 | RSSD #28675 | OCC
Latest Report: 2025-12-31

CUMBERLAND FEDERAL BANK, FSB is asn small FDIC-insured commercial bank headquartered in CUMBERLAND, WI, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $329M and total deposits of $273M. Profitability stands at 0.83% ROA and 8.90% ROE, with a net interest margin of 3.28%. The bank's CET1 capital ratio is 16.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 1.96%. FDIC Certificate #29293.

Assets

$329M

Deposits

$273M

Loans

$173M

Equity

$31M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 8.90%
Net Interest Margin (NIM) 3.28%
Yield on Assets 6.36%
Cost of Funds 3.13%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.96%
NPA Ratio 0.19%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 16.47%
Tier 1 Capital 16.47%
Total Capital Ratio 17.35%
Leverage Ratio 9.68%
Loan-to-Deposit 63.44%

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