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Bank call report · Cumberland, WI

Cumberland Federal Bank, FSB Call Report

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Cumberland Federal Bank, FSB filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 341 reported line items, schedule by schedule (903 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Cumberland Federal Bank, FSB call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID28675
FDIC certificate number29293
Total assets$341.6M

Official Q2 2026 call report PDF (FFIEC) →

Cumberland Federal Bank, FSB call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.

Schedule RC: Balance Sheet (22 items)

About Schedule RC · Cumberland Federal Bank, FSB balance sheet trends

Cumberland Federal Bank, FSB Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $341.6M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $341.6M
Total Liabilities and Minority Interest RCON2948 $309.4M
Total Deposits RCON2200 $287.5M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $274.6M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $177.1M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $175.2M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $157.2M
Undivided Profits and Capital Reserves RCON3632 $34.4M
Total Equity Capital RCON3210 $32.3M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $32.3M
Other Borrowed Money RCON3190 $20.4M
Deposits: Noninterest-bearing RCON6631 $12.9M
Other Assets RCON2160 $5.3M
Accumulated Other Comprehensive Income RCONB530 -$2.2M
Allowance for Loan and Lease Losses RCON3123 $2.0M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $1.5M
Other Liabilities, Total RCON2930 $1.5M
Noninterest-bearing Balances and Currency and Coin RCON0081 $1.3M
Interest-bearing Balances RCON0071 $710K
Intangible Assets RCON2143 $364K
Equity securities with readily determinable fair values not held for trading RCONJA22 $63K
Schedule RI: Income Statement (41 items)

About Schedule RI · Cumberland Federal Bank, FSB income statement trends

Cumberland Federal Bank, FSB Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $9.6M
Interest and Fee Income on Loans, Total RIAD4010 $5.6M
Net Interest Income RIAD4074 $5.1M
Total Interest Expense RIAD4073 $4.5M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $3.6M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $3.0M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $3.0M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $2.7M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $2.5M
Income (Loss) Before Discontinued Operations RIAD4300 $2.3M
Net Income (Loss) RIAD4340 $2.3M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $2.3M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $2.1M
Total Noninterest Expense RIAD4093 $2.1M
Salaries and Employee Benefits RIAD4135 $1.1M
Other Noninterest Expense RIAD4092 $844K
Applicable Income Taxes RIAD4302 $678K
Interest on Trading Liabilities and Other Borrowed Money RIAD4185 $568K
Savings Deposits (Including Mmdas) RIAD0093 $531K
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $476K
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $379K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $350K
Total Noninterest Income RIAD4079 $282K
Provision for Loan and Lease Losses RIAD4230 $252K
Provisions for Credit Losses on Financial Assets RIADJJ33 $252K
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $251K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $220K
Net Servicing Fees RIADB492 $193K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $155K
Expenses of Premises and Fixed Assets RIAD4217 $134K
Interest on Other Securities RIAD4060 $132K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $106K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $101K
Other Interest Income RIAD4518 $89K
Other Noninterest Income RIADB497 $67K
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 -$44K
Interest Income on Balances Due from Depository Institutions RIAD4115 $42K
Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. RIAD4313 $31K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $22K
Realized Gains (Losses) on Available-for-sale Debt Securities RIAD3196 -$4K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 23
Schedule RC-A: Cash and Balances Due from Depository Institutions (3 items)

About Schedule RC-A

Cumberland Federal Bank, FSB Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $2.1M
Balances Due from Depository Institutions in the U.S. RCON0082 $1.3M
Currency and Coin RCON0080 $780K
Schedule RC-B: Securities (33 items)

About Schedule RC-B · Cumberland Federal Bank, FSB securities trends

Cumberland Federal Bank, FSB Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost RCONG302 $1.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value RCONG303 $1.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $2.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $2.4M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $51.3M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $49.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost RCONG322 $89.2M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value RCONG323 $88.6M
Total Amortized Cost of Available-for-sale Securities RCON1772 $160.3M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $110.1M
Pledged Securities RCON0416 $39.2M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $27.7M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $7.7M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $6.3M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $6.2M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $6.2M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $6.2M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $4.7M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK144 $2.1M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK145 $2.0M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years RCONA554 $1.9M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $1.6M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $1.4M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $1.3M
Asset-backed Securities: Available-for-sale Amortized Cost RCONC989 $1.1M
Total (Asset-backed Securities) Fair Value - Available-for-sale RCONC027 $1.1M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $585K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $565K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONA555 $397K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $342K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA557 $192K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA556 $65K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $3K
Schedule RC-C, Part I: Loans and Leases (32 items)

About Schedule RC-C, Part I · Cumberland Federal Bank, FSB loans and leases trends

Cumberland Federal Bank, FSB Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $177.1M
Pledged Loans and Leases RCONG378 $82.6M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $72.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $41.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $39.5M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $35.6M
Real Estate Loans Secured by Farmland RCON1420 $28.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $23.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $19.2M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $16.4M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $13.6M
Commercial and Industrial Loans RCON1766 $11.6M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $11.6M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $10.3M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $10.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $8.6M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $8.5M
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $7.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $7.0M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $6.1M
Loans Secured by 1-4 Family Residential Construction RCONF158 $5.9M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $4.8M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $4.6M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $4.6M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $3.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $2.6M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $2.1M
Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. RCON2107 $1.5M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $955K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $504K
Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) RCONJ451 $5K
Other Loans RCONJ464 $5K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)

About Schedule RC-C, Part II

Cumberland Federal Bank, FSB Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $8.8M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $8.6M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5581 $4.9M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $3.8M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $3.8M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $3.3M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $3.3M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $2.2M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $1.6M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5589 $1.2M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5585 $965K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5587 $904K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 121
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 71
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 44
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5584 40
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5580 38
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 32
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 29
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 28
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 24
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 17
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5586 8
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5588 5
Schedule RC-E: Deposit Liabilities (27 items)

About Schedule RC-E · Cumberland Federal Bank, FSB deposit liabilities trends

Cumberland Federal Bank, FSB Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $232.8M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $186.6M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $156.6M
Total Time Deposits of Less Than $100,000 RCON6648 $131.7M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) RCONHK05 $114.2M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK06 $114.2M
Total Brokered Deposits RCON2365 $114.2M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $87.0M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $69.6M
Total Transaction Accounts RCON2215 $54.7M
Total Demand Deposits (See Note Below) RCON2210 $52.9M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $46.2M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $33.5M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $28.7M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $25.4M
Money Market Deposit Accounts (Mmda's) RCON6810 $24.4M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $24.1M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $22.6M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $21.2M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $13.6M
Sweep deposits: Fully insured, non-affiliate sweep deposits RCONMT91 $10.5M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $10.5M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $3.1M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $3.0M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $1.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $720K
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $676K
Schedule RC-F: Other Assets (5 items)

About Schedule RC-F

Cumberland Federal Bank, FSB Schedule RC-F, Q2 2026
Line item Code Q2 2026
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $2.9M
Accrued Interest Receivable RCONB556 $1.4M
Net Deferred Tax Assets RCON2148 $799K
Other Assets RCON2168 $262K
Prepaid Expenses RCON2166 $123K
Schedule RC-G: Other Liabilities (3 items)

About Schedule RC-G

Cumberland Federal Bank, FSB Schedule RC-G, Q2 2026
Line item Code Q2 2026
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $1.3M
Other Expenses Accrued and Unpaid RCON3646 $173K
All Other Liabilities RCON2938 $1K
Schedule RC-K: Quarterly Averages (16 items)

About Schedule RC-K · Cumberland Federal Bank, FSB quarterly averages trends

Cumberland Federal Bank, FSB Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $342.0M
Quarterly Average of Total Loans RCON3360 $175.7M
Mortgage-backed Securities RCONB559 $137.5M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $132.2M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $89.1M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $64.0M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $56.5M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $42.5M
Quarterly Average of Other Borrowed Money RCON3355 $37.3M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $24.7M
Quarterly Average of Commercial and Industrial Loans RCON3387 $11.9M
All Other Securities RCONB560 $7.4M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $6.3M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $6.2M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $3.0M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $2.5M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)

About Schedule RC-L · Cumberland Federal Bank, FSB derivatives and off-balance-sheet items trends

Cumberland Federal Bank, FSB Schedule RC-L, Q2 2026
Line item Code Q2 2026
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $10.8M
1-4 Family Residential Construction Loan Commitments RCONF164 $5.7M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $5.6M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $5.3M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $1.8M
Performance Standby Letters of Credit RCON3821 $354K
Schedule RC-M: Memoranda (10 items)

About Schedule RC-M · Cumberland Federal Bank, FSB memoranda trends

Cumberland Federal Bank, FSB Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances (Loans) Due in One Year or Less RCON2651 $11.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF055 $11.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years RCONF057 $8.0M
FHLB Advances: Structured Advances RCONF059 $7.0M
Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF060 $1.4M
Other Borrowings: with a Remaining Maturity of One Year or Less RCONB571 $1.4M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $510K
Estimated Fair Value of Mortgage Servicing Assets RCONA590 $364K
Mortgage Servicing Assets RCON3164 $364K
Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? RCONL133 1
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)

About Schedule RC-N · Cumberland Federal Bank, FSB past due and nonaccrual loans, leases, and other assets trends

Cumberland Federal Bank, FSB Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $761K
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $341K
Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual RCON3495 $336K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF178 $264K
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $210K
Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Farmland in Domestic Offices Included in All Other Loans: Nonaccrual RCONK132 $183K
Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual RCONK128 $183K
Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual RCONHK28 $183K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $146K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $138K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $5K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing RCONK213 $2K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $1K
Schedule RC-O: Other Data for Deposit Insurance Assessments (11 items)

About Schedule RC-O · Cumberland Federal Bank, FSB other data for deposit insurance assessments trends

Cumberland Federal Bank, FSB Schedule RC-O, Q2 2026
Line item Code Q2 2026
Unsecured Other Borrowings with a Remaining Maturity of One Year or Less RCONG465 $1.4M
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $342.0M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $288.8M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $212.6M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $66.2M
Average Tangible Equity for the Calendar Quarter RCONK654 $34.0M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $9.9M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 6,099
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 2,950
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 99
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (1 item)

About Schedule RC-R · Cumberland Federal Bank, FSB regulatory capital trends

Cumberland Federal Bank, FSB Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $200.0M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)

About Schedule RC-R, Part I · Cumberland Federal Bank, FSB regulatory capital components and ratios trends

Cumberland Federal Bank, FSB Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $342.0M
Average total consolidated assets RCOAKW03 $342.0M
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $200.0M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $36.4M
Common Equity Tier 1 Capital RCOAP859 $34.4M
Retained Earnings RCOAKW00 $34.4M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $34.4M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $34.4M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $32.3M
Accumulated Other Comprehensive Income RCOAB530 -$2.2M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$2.2M
General Loan and Lease Valuation Allowances RCOA5310 $2.0M
Tier 2 (Supplementary) Capital RCOA5311 $2.0M
Tier 2 Capital Before Deductions RCOAP870 $2.0M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1819
Common Equity Tier 1 Capital Ratio RCOAP793 0.1721
Tier 1 Risk-based Capital Ratio RCOA7206 0.1721
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.1019
Tier 1 Leverage Capital Ratio RCOA7204 0.1006
Schedule RC-R, Part II: Risk-Weighted Assets (63 items)

About Schedule RC-R, Part II · Cumberland Federal Bank, FSB risk-weighted assets trends

Cumberland Federal Bank, FSB Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $200.0M
Total Risk-weighted Assets RCONG641 $200.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $97.4M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $93.3M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $92.7M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $91.9M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $90.4M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $90.4M
On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a RCONS481 $86.7M
Total On-balance Sheet Securitization Exposures, Available-for-sale Securities RCONS480 $86.7M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $83.4M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $83.0M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 $82.5M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $78.4M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $70.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $50.5M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $50.2M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $48.7M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $45.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $32.6M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $32.5M
On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology RCONS483 $29.2M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $27.0M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $21.4M
Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method RCONS498 $20.2M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $10.7M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $10.1M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $7.8M
Total All Other Assets RCOND981 $7.2M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $5.7M
Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category RCONG628 $4.7M
Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category RCONS459 $3.5M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $3.0M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $3.0M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$2.4M
Total Cash and Balances Due from Depository Institutions RCOND957 $2.1M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $1.9M
Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a RCONS496 $1.6M
Total Off-balance Sheet Securitization Exposures RCONS495 $1.6M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCONS530 $1.6M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $1.6M
Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category RCONS460 $1.5M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $1.5M
Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category RCONS573 $910K
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $510K
Available-for-sale Securities - 50 Pct Risk Weight Category RCOND969 $470K
All Other Assets - 250 Pct Risk Weight Category RCONH293 $364K
The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% RCONS504 $364K
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category RCONS562 $364K
All Other Assets - 50 Pct Risk Weight Category RCOND984 $356K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount RCOND997 $354K
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $340K
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $340K
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $340K
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $340K
All Other Assets - Adjustments to Totals Reported in Column a RCONS469 $223K
Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category RCONG627 $223K
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $182K
Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category RCONG605 $177K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount RCOND998 $177K
All Other Assets - 0 Pct Risk Weight Category RCOND982 $155K
Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category RCONG626 $124K
Available-for-sale Securities - 100 Pct Risk Weight Category RCOND970 $63K
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)

About Schedule RC-S

Cumberland Federal Bank, FSB Schedule RC-S, Q2 2026
Line item Code Q2 2026
Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans RCONB790 $85.3M
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements RCONB804 $85.3M
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements RCONB805 $7.4M
Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans RCONB797 $1.6M
Schedule RI-A: Changes in Bank Equity Capital (4 items)

About Schedule RI-A

Cumberland Federal Bank, FSB Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $32.3M
Balance End of Previous Calendar Year as Restated RIADB508 $30.7M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $30.7M
Other Comprehensive Income RIADB511 -$760K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)

About Schedule RI-B, Part II · Cumberland Federal Bank, FSB changes in allowances for credit losses trends

Cumberland Federal Bank, FSB Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $2.0M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $1.7M
Schedule RI-E: Explanations (1 item)

About Schedule RI-E

Cumberland Federal Bank, FSB Schedule RI-E, Q2 2026
Line item Code Q2 2026
Data Processing Expenses RIADC017 $165K

Cumberland Federal Bank, FSB call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Cumberland Federal Bank, FSB call report?

The Cumberland Federal Bank, FSB call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Cumberland Federal Bank, FSB file?

Cumberland Federal Bank, FSB files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Cumberland Federal Bank, FSB call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cumberland Federal Bank, FSB has Federal Reserve RSSD ID 28675 and FDIC certificate number 29293. Either one finds its filings on the FFIEC Central Data Repository.

How often does Cumberland Federal Bank, FSB file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Cumberland Federal Bank, FSB financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.