Citizens Bank of Cumberland County, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.72 percentage points lower than in Q1 2026, at 129.07%. Among 119 Kentucky banks, Citizens Bank of Cumberland County, Inc. sits 10th from the top on return on assets, 2.19% as of Q2 2026. Citizens Bank of Cumberland County, Inc.'s return on assets of 2.19% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.21 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.25% |
| Equity capital to assets | 12.24% |
| Tangible equity to tangible assets | 12.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.40% |
| Texas ratio | 4.39% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 129.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.19% |
| Return on equity | 18.61% |
| Net interest margin | 4.99% |
| Efficiency ratio | 58.16% |
| Yield on earning assets | 6.48% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.43% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.80% |
| Securities to assets | 17.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.64% | 1.78% | 4.38% | 1.78% | 0.00% |
| Q4 2023 | 11.78% | 2.03% | 4.65% | 1.74% | 0.01% |
| Q1 2024 | 12.34% | 2.01% | 4.59% | 1.76% | -0.01% |
| Q2 2024 | 12.26% | 2.04% | 4.79% | 1.74% | 0.07% |
| Q3 2024 | 12.85% | 2.13% | 4.89% | 1.70% | -0.23% |
| Q4 2024 | 11.81% | 2.51% | 4.87% | 1.18% | 0.08% |
| Q1 2025 | 11.77% | 1.81% | 4.75% | 1.24% | 0.05% |
| Q2 2025 | 12.13% | 2.00% | 4.97% | 1.24% | 0.02% |
| Q3 2025 | 12.44% | 2.04% | 4.78% | 0.87% | 0.09% |
| Q4 2025 | 11.56% | 2.46% | 4.96% | 0.83% | 0.10% |
| Q1 2026 | 11.73% | 1.89% | 4.83% | 0.76% | 0.10% |
| Q2 2026 | 12.25% | 2.19% | 4.99% | 0.79% | 0.40% |
Citizens Bank of Cumberland County, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Cumberland County, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Cumberland County, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35442) · FFIEC NIC profile (RSSD 2921622)