Citizens Bank of Cumberland County, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Cumberland County, Inc. of Burkesville, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.19% | 3.14% | -0.95% | 86th top |
| ROAE | 18.61% | 10.40% | +8.21% | 89th top |
| Net Interest Margin | 4.99% | 3.93% | +1.06% | 87th top |
| Efficiency Ratio | 58.16% | 76.35% | -18.19% | 73rd above |
| PPNR / Avg Assets | 2.19% | 1.40% | +0.79% | 84th top |
| Yield on Earning Assets | 6.48% | 5.35% | +1.13% | 88th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.64% | 1.70% | -0.06% | 46th below |
| Net Interest Spread | 4.34% | 3.31% | +1.03% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 1.34% | -0.55% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.71% | -0.14% | 29th below |
| NCO / Avg Loans | 0.40% | 0.10% | +0.30% | 6th bottom |
| ACL / Total Loans | 1.03% | 1.49% | -0.46% | 31st below |
| ACL / NPLs (Coverage) | 129.07% | 867.01% | -737.94% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.39% | 8.26% | -3.87% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 60.24% | 316.01% | -255.77% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.25% | 17.62% | -5.37% | 41st below |
| Equity / Assets | 12.24% | 16.43% | -4.19% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.24% | 16.18% | -3.94% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.43% | 72.80% | +11.63% | 24th bottom |
| Core Deposit Ratio | 93.86% | 88.20% | +5.66% | 67th above |
| Wholesale Funding Ratio | 2.65% | 5.29% | -2.64% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.26% | 4.31% | -4.05% | 35th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.94% | 6.73% | -2.79% | 56th above |
| Deposit Growth (Y/Y) | 1.24% | 3.78% | -2.54% | 45th below |
See Citizens Bank of Cumberland County, Inc.'s peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Cumberland County, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank of Cumberland County, Inc. profile, how to read a UBPR, or how this data updates.