CITIZENS BANK OF CUMBERLAND COUNTY, INC.

BURKESVILLE, KY | Micro | Est. July 1, 2000, midnight | FDIC #35442 | RSSD #2921622 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF CUMBERLAND COUNTY, INC. is amn micro FDIC-insured commercial bank headquartered in BURKESVILLE, KY, established in July 1, 2000, midnight. As of 2025-12-31, the bank reported total assets of $96M and total deposits of $83M. Profitability stands at 2.47% ROA and 20.90% ROE, with a net interest margin of 5.25%. The bank's CET1 capital ratio is 11.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 2.61%. FDIC Certificate #35442.

Assets

$96M

Deposits

$83M

Loans

$66M

Equity

$11M

Profitability

Return on Assets (ROA) 2.47%
Return on Equity (ROE) 20.90%
Net Interest Margin (NIM) 5.25%
Yield on Assets 6.93%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.61%
NPA Ratio 0.32%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 11.50%
Tier 1 Capital 11.50%
Total Capital Ratio 12.07%
Leverage Ratio 11.56%
Loan-to-Deposit 80.08%

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