CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY

EAST BERNSTADT, KY | Medium | Est. Jan. 1, 1904, midnight | FDIC #2691 | RSSD #647218 | OCC
Latest Report: 2025-12-31

CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in EAST BERNSTADT, KY, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $815M and total deposits of $737M. Profitability stands at 1.15% ROA and 12.68% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 9.15%. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.08%. FDIC Certificate #2691.

Assets

$815M

Deposits

$737M

Loans

$563M

Equity

$75M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 12.68%
Net Interest Margin (NIM) 4.01%
Yield on Assets 5.87%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.08%
NPA Ratio 0.31%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 9.15%
Tier 1 Capital 9.15%
Total Capital Ratio 9.60%
Leverage Ratio 9.53%
Loan-to-Deposit 76.38%

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