BanksCUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY

CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY

EAST BERNSTADT, KYMediumEst. Jan. 1, 1904, midnightFDIC #2691RSSD #647218OCC
Latest · 2025-12-31

CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 9.15%. NPL ratio: 0.45% · Texas Ratio: 3.08%. Operates 15 domestic branches.

Assets
$815M
Deposits
$737M
Loans
$563M
Equity
$75M

Profitability

Return on Assets (ROA)1.15%
Return on Equity (ROE)12.68%
Net Interest Margin4.01%
Yield on Assets5.87%
Cost of Funds1.89%

Asset Quality

NPL Ratio0.45%
Net Charge-Off Ratio0.03%
Texas Ratio3.08%
NPA Ratio0.31%
ACL / Loans1.30%

Capital & Liquidity

CET1 Ratio9.15%
Tier 1 Capital9.15%
Total Capital Ratio9.60%
Leverage Ratio9.53%
Loan-to-Deposit76.38%

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