Citizens Bank of Cumberland County, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Cumberland County, Inc. is an FDIC-insured commercial bank headquartered in Burkesville, KY, supervised by the FDIC, with $94.9M in total assets at Q2 2026, up 0.3% from Q2 2025, the 106th largest of 120 banks headquartered in Kentucky. It was established in 2000 and holds FDIC certificate 35442. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35442
- Headquarters
- Burkesville, KY
- Established
- 2000
- Total assets, Q2 2026
- $94.9M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 12.25%
- Domestic offices
- 1 · Citizens Bank of Cumberland County, Inc. branches FDIC institution directory, current count
- Routing number
- 083908307
- Safety and soundness
- Is Citizens Bank of Cumberland County, Inc. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Cumberland County, Inc. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CITIZENS CUMBERLAND BANCSHARES, INC.
- Asset rank in state
- 106th of 120 in Kentucky
Citizens Bank of Cumberland County, Inc. is one of the more profitable banks of its size. Based in Burkesville, Kentucky, it had $95 million in assets at June 30, 2026. It earns about $2.19 a year on every $100 of assets, about double the median of $1.04 for the 533 banks with less than $100 million in assets. It also keeps 4.99 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.91 cents).
Net income for the quarter rose 12% from a year earlier, to $528,000. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Citizens Bank of Cumberland County, Inc. reported a return on assets of 2.19%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 2.83%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Citizens Bank of Cumberland County, Inc. is the 106th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $94.9M, loans rose 1.5% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 52.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 8.2%. The FDIC Summary of Deposits lists a single office for it, in Burkesville, KY. On its Q2 2026 call report, Citizens Bank of Cumberland County, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 Keen St, Burkesville, KY 42717
- County
- Cumberland
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $80.5M
- Allowance for credit losses
- $697K
- Net charge-offs (YTD)
- $83K
- Average total assets
- $96.5M
- Average total loans
- $67.5M
- Average interest-bearing deposits
- $65.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 2000
- FDIC Cert
- 35442
- Fed RSSD
- 2921622
- Website
- www.cbcconline.com →
- Parent Holding Company
- CITIZENS CUMBERLAND BANCSHARES, INC. (RSSD 3110012)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank of Cumberland County, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank of Cumberland County, Inc.'s total assets ran between $89.1M (Q3 2023) and $96.1M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$94.9M total assets against $94.6M; $83.3M total liabilities against $83.5M.
$67.2M net loans and leases against $64.6M; $80.5M total deposits against $79.5M.
$16.1M securities against $13.5M; $10.1M cash and balances due against $15.2M.
$1.5M total interest income against $1.4M; $346K total interest expense against $361K.
$1.2M net interest income against $1.1M.
$105K total noninterest income against $117K; $734K total noninterest expense against $736K.
$0 provision for credit losses against $0.
$528K net income against $470K.
2.19% return on assets against 2.00%; 4.99% net interest margin against 4.97%.
12.25% tier 1 leverage ratio against 12.13%.
Inside the full Citizens Bank of Cumberland County, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of Cumberland County, Inc. rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.81% (Q1 2025) to 2.51% (Q4 2024) and its net interest margin ran from 4.75% (Q1 2025) to 4.99% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.25% | 2.19% | 0.51% | 2.83% | 4.99% |
| Q1 2026 | 11.73% | 1.89% | 0.43% | 2.40% | 4.83% |
| Q4 2025 | 11.56% | 2.46% | 0.46% | 2.61% | 4.96% |
| Q3 2025 | 12.44% | 2.04% | 0.49% | 2.59% | 4.78% |
| Q2 2025 | 12.13% | 2.00% | 0.50% | 2.78% | 4.97% |
| Q1 2025 | 11.77% | 1.81% | 0.56% | 3.27% | 4.75% |
| Q4 2024 | 11.81% | 2.51% | 0.46% | 2.67% | 4.87% |
| Q3 2024 | 12.85% | 2.13% | 0.96% | 5.14% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Cumberland County, Inc. (main office) | Burkesville , KY | 42717 | $80.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 129 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of Cumberland County, Inc.
What are Citizens Bank of Cumberland County, Inc.'s total assets?
As of the Q2 2026 filing, Citizens Bank of Cumberland County, Inc. reported total assets of $94.9 million in its FFIEC call report.
Where is Citizens Bank of Cumberland County, Inc. headquartered?
It is headquartered in Burkesville, KY, United States.
When was Citizens Bank of Cumberland County, Inc. founded?
It was established in 2000, per the FDIC institution directory.
Is Citizens Bank of Cumberland County, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Cumberland County, Inc.?
Citizens Bank of Cumberland County, Inc.'s primary federal regulator is the FDIC.
How many branches does Citizens Bank of Cumberland County, Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Cumberland County, Inc.'s Texas Ratio?
Its Texas Ratio is 2.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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