BanksCITIZENS BANK OF CUMBERLAND COUNTY, INC.

CITIZENS BANK OF CUMBERLAND COUNTY, INC.

BURKESVILLE, KYMicroEst. July 1, 2000, midnightFDIC #35442RSSD #2921622FDIC
Latest · 2025-12-31

CITIZENS BANK OF CUMBERLAND COUNTY, INC. is an 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%. CET1 capital ratio: 11.50%, well above regulatory minimums. NPL ratio: 0.46% · Texas Ratio: 2.61%. Operates 1 domestic branch.

Assets
$96M
Deposits
$83M
Loans
$66M
Equity
$11M

Profitability

Return on Assets (ROA)2.47%
Return on Equity (ROE)20.90%
Net Interest Margin5.25%
Yield on Assets6.93%
Cost of Funds1.82%

Asset Quality

NPL Ratio0.46%
Net Charge-Off Ratio0.06%
Texas Ratio2.61%
NPA Ratio0.32%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio11.50%
Tier 1 Capital11.50%
Total Capital Ratio12.07%
Leverage Ratio11.56%
Loan-to-Deposit80.08%

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