Cumberland Federal Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cumberland Federal Bank, FSB of Cumberland, WI against its peer group of 2672 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 | 1.41% | 1.35% | +0.06% | 58th above |
| ROAE | 15.19% | 12.05% | +3.14% | 67th above |
| Net Interest Margin | 3.20% | 3.90% | -0.70% | 16th bottom |
| Efficiency Ratio | 37.73% | 63.16% | -25.43% | 97th top |
| PPNR / Avg Assets | 2.01% | 1.64% | +0.37% | 73rd above |
| Yield on Earning Assets | 5.93% | 5.65% | +0.28% | 65th above |
| Cost of Funds | 2.96% | 1.85% | +1.11% | 6th bottom |
| Net Interest Spread | 2.80% | 3.35% | -0.55% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.92% | -0.73% | 65th above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 70th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 574.78% | 1645.59% | -1070.81% | 74th above |
| Texas Ratio | 1.00% | 7.15% | -6.15% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.21% | 20.83% | -3.62% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.21% | 20.86% | -3.65% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.19% | 21.94% | -3.75% | 64th above |
| Leverage Ratio | 10.06% | 12.46% | -2.40% | 33rd below |
| Equity / Assets | 9.44% | 11.67% | -2.23% | 35th below |
| TCE / Tangible Assets | 9.44% | 11.40% | -1.96% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.60% | 78.65% | -17.05% | 81st top |
| Core Deposit Ratio | 51.43% | 87.11% | -35.68% | 1st bottom |
| Wholesale Funding Ratio | 5.97% | 5.11% | +0.86% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.40% | 6.47% | +3.93% | 84th top |
| Loan Growth (Y/Y) | 9.66% | 7.64% | +2.02% | 72nd above |
| Deposit Growth (Y/Y) | 12.96% | 6.02% | +6.94% | 89th top |
See Cumberland Federal Bank, FSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, how to read a UBPR, or how this data updates.