Cumberland Federal Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Cumberland Federal Bank, FSB is an FDIC-insured savings institution headquartered in Cumberland, WI, established in 1934 (FDIC certificate 29293), and it is supervised by the OCC. At Q2 2026 it reported total assets of $341.6M, up 10.4% from Q2 2025, the 88th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 17.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29293
- Headquarters
- Cumberland, WI
- Established
- 1934
- Total assets, Q2 2026
- $341.6M
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 17.21%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 291871226
- Latest call report
- Q2 2026, FFIEC 041 · Cumberland Federal Bank, FSB call report
- Holding company
- CFB FINANCIAL, INC.
- Asset rank in state
- 88th of 153 in Wisconsin
Cumberland Federal Bank, FSB runs leaner than most banks of its size. Based in Cumberland, Wisconsin, it had $342 million in assets at June 30, 2026, up 10.4% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 26% from a year earlier, to $1.2 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.47%. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Cumberland Federal Bank, FSB reported a CET1 capital ratio of 17.21%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
Cumberland Federal Bank, FSB ranks as the 88th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.0% to $341.6M, loans rose 3.5% and deposits rose 9.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.1% of total loans, followed by farmland and other real estate loans at 15.8%. Its 2 offices in the FDIC Summary of Deposits are in Cumberland, WI and Ladysmith, WI; its Cumberland office books 92% of its branch deposits. Judged on its Q2 2026 call report, Cumberland Federal Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1390 2nd Ave, Cumberland, WI 54829
- County
- Barron
- Metro Area
- Rice Lake, WI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1934
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $287.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $342.0M
- Average total loans
- $175.7M
- Average interest-bearing deposits
- $255.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29293
- Fed RSSD
- 28675
- Website
- www.cumberlandfederal.com →
- Parent Holding Company
- CFB FINANCIAL, INC. (RSSD 5924736)
- Ultimate Parent
- CFB MUTUAL HOLDING COMPANY (RSSD 5924709)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cumberland Federal Bank, FSB's total assets ranged from $253.3M (Q3 2023) to $341.6M (Q2 2026), 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
$341.6M total assets against $309.4M; $309.4M total liabilities against $281.3M.
$175.2M net loans and leases against $160.2M; $287.5M total deposits against $254.5M.
$157.2M securities against $139.9M; $2.1M cash and balances due against $2.7M.
$4.9M total interest income against $4.4M; $2.3M total interest expense against $2.2M.
$2.6M net interest income against $2.2M.
$129K total noninterest income against $158K; $1.1M total noninterest expense against $1.0M.
$126K provision for credit losses against $120K.
$1.2M net income against $957K.
1.41% return on assets against 1.24%; 3.20% net interest margin against 2.99%.
17.21% CET1 capital ratio against 16.53%; 10.06% tier 1 leverage ratio against 9.86%.
Inside the full Cumberland Federal Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCumberland Federal Bank, FSB rankings
Its closest position to the top of a national ranking is 137 of 3,606, for efficiency ratio; its furthest is 2,673 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q4 2024) to 1.41% (Q2 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.21% | 1.41% | 0.19% | 1.00% | 3.20% |
| Q1 2026 | 17.27% | 1.33% | 0.11% | 0.58% | 3.09% |
| Q4 2025 | 16.47% | 0.81% | 0.38% | 2.01% | 3.14% |
| Q3 2025 | 16.74% | 1.29% | 0.39% | 2.05% | 3.04% |
| Q2 2025 | 16.53% | 1.24% | 0.47% | 2.60% | 2.99% |
| Q1 2025 | 16.70% | 1.12% | 0.52% | 2.79% | 2.82% |
| Q4 2024 | 16.23% | 0.66% | 0.63% | 3.57% | 2.81% |
| Q3 2024 | 17.44% | 0.95% | 0.04% | 0.20% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Cumberland Federal Bank, FSB (main office) | Cumberland , WI | 54829 | $263.4M |
| Cumberland Federal Bank - Ladysmith Branch | Ladysmith , WI | 54848 | $24.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 97 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $288K approved, $288K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Cumberland Federal Bank, FSB
What are Cumberland Federal Bank, FSB's total assets?
As of the Q2 2026 filing, Cumberland Federal Bank, FSB reported total assets of $341.6 million in its FFIEC call report.
Where is Cumberland Federal Bank, FSB headquartered?
It is headquartered in Cumberland, WI, United States.
When was Cumberland Federal Bank, FSB founded?
It was established in 1934, per the FDIC institution directory.
Is Cumberland Federal Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cumberland Federal Bank, FSB?
Cumberland Federal Bank, FSB's primary federal regulator is the OCC.
What is Cumberland Federal Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cumberland Federal Bank, FSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cumberland Federal Bank, FSB's Texas Ratio?
Its Texas Ratio is 1.00% 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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