Cumberland Federal Bank, FSB: 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: 370.58 percentage points lower than in Q1 2026, at 574.78%. Cumberland Federal Bank, FSB ranks 66th of 153 Wisconsin banks on return on assets, in the upper half at 1.41% (Q2 2026). Cumberland Federal Bank, FSB reported 1.41% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.21% |
| Tier 1 risk-based capital ratio | 17.21% |
| Total risk-based capital ratio | 18.19% |
| Tier 1 leverage ratio | 10.06% |
| Equity capital to assets | 9.44% |
| Tangible equity to tangible assets | 9.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 574.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 15.19% |
| Net interest margin | 3.20% |
| Efficiency ratio | 37.73% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.60% |
| Core deposits to total deposits | 51.43% |
| Brokered deposits to total deposits | 39.74% |
| Deposits to assets | 84.16% |
| Securities to assets | 46.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.41% | 17.41% | 18.06% | 9.92% | 0.76% |
| Q4 2023 | 17.83% | 17.83% | 18.55% | 10.04% | 0.74% |
| Q1 2024 | 18.04% | 18.04% | 18.75% | 10.35% | 0.81% |
| Q2 2024 | 17.60% | 17.60% | 18.29% | 10.55% | 0.90% |
| Q3 2024 | 17.44% | 17.44% | 18.10% | 10.02% | 0.95% |
| Q4 2024 | 16.23% | 16.23% | 16.91% | 9.75% | 0.66% |
| Q1 2025 | 16.70% | 16.70% | 17.39% | 9.81% | 1.12% |
| Q2 2025 | 16.53% | 16.53% | 17.26% | 9.86% | 1.24% |
| Q3 2025 | 16.74% | 16.74% | 17.55% | 9.67% | 1.29% |
| Q4 2025 | 16.47% | 16.47% | 17.35% | 9.68% | 0.81% |
| Q1 2026 | 17.27% | 17.27% | 18.22% | 9.97% | 1.33% |
| Q2 2026 | 17.21% | 17.21% | 18.19% | 10.06% | 1.41% |
Cumberland Federal Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29293) · FFIEC NIC profile (RSSD 28675)