Bank Comparison
Cumberland Security Bank, INC. vs Bank of Franklin County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| CET1 Ratio | 16.72% | — |
| Tier 1 Capital Ratio | 16.72% | — |
| Total Capital Ratio | 17.99% | — |
| Tier 1 Leverage Ratio | 13.32% | 9.54% |
| Equity / Assets | 13.76% | 8.87% |
Profitability
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| Return on Assets (ROA) | 3.80% | 0.71% |
| Return on Equity (ROE) | 29.29% | 8.10% |
| Net Interest Margin (NIM) | 5.44% | 3.61% |
| Yield on Earning Assets | 6.39% | 5.73% |
| Cost of Funds | 1.11% | 2.23% |
Asset quality
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| Texas Ratio | 1.02% | 4.38% |
| Non-Performing Loan Ratio | 0.17% | 0.24% |
| Non-Performing Asset Ratio | 0.16% | 0.34% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 2.65% | 1.24% |
Balance sheet
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| Total Assets | $416,580K | $416,446K |
| Total Deposits | $358,247K | $349,565K |
| Total Loans | $352,649K | $343,479K |
| Total Equity | $57,341K | $36,938K |
| Net Income (quarter) | $4,103K | $744 |
Liquidity & funding
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| Loan-to-Deposit Ratio | 98.44% | 98.26% |
| Core Deposit Ratio | 88.94% | 93.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cumberland Security Bank, INC. | Bank of Franklin County |
|---|---|---|
| Headquarters City | SOMERSET | WASHINGTON |
| Headquarters State | KY | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 6 |
| Employees (FTE) | 62 | 76 |
| Established | Aug. 13, 1909, midnight | Aug. 28, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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