Cumberland Security Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Cumberland Security Bank, Inc. is an FDIC-insured commercial bank headquartered in Somerset, KY, established in 1909 (FDIC certificate 11358), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $420.1M, up 1.4% from Q2 2025, the 49th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 17.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11358
- Headquarters
- Somerset, KY
- Established
- 1909
- Total assets, Q2 2026
- $420.1M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 17.65%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 042104854
- Latest call report
- Q2 2026, FFIEC 051 · Cumberland Security Bank, Inc. call report
- Holding company
- FIRST COMMERCE BANCORP, INC.
- Asset rank in state
- 49th of 120 in Kentucky
Cumberland Security Bank, Inc. is one of the more profitable banks of its size. The Somerset, Kentucky bank had $420 million in assets at June 30, 2026, up 1.4% from a year earlier. It returns 36.9% a year on shareholders' equity, about triple the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 29 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Net income for the quarter rose 20% from a year earlier, to $5.4 million. Over the same year, loans grew 4.0% and deposits grew 0.4%.
As of June 30, 2026, Cumberland Security Bank, Inc. reported a CET1 capital ratio of 17.65%, a return on assets of 5.12%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cumberland Security Bank, Inc. is the 49th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $420.1M, loans fell 1.8% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.2%. Its 4 offices in the FDIC Summary of Deposits are in Somerset, KY and Eubank, KY; its Somerset 3 offices book 86% of its branch deposits. Judged on its Q2 2026 call report, Cumberland Security Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 S Main St, Somerset, KY 42501
- County
- Pulaski
- Metro Area
- Somerset, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 13, 1909
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $359.4M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $420.7M
- Average total loans
- $350.6M
- Average interest-bearing deposits
- $218.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11358
- Fed RSSD
- 202514
- Website
- http://www.csbweb.com →
- Parent Holding Company
- FIRST COMMERCE BANCORP, INC. (RSSD 2909170)
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
Cumberland Security Bank, Inc.'s total assets moved between a low of $330.7M (Q4 2023) and a high of $427.4M (Q4 2025) from Q3 2023 to 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
$420.1M total assets against $414.1M; $360.8M total liabilities against $359.2M.
$336.9M net loans and leases against $324.7M; $359.4M total deposits against $358.0M.
$38.6M securities against $38.3M; $38.5M cash and balances due against $44.6M.
$8.0M total interest income against $7.0M; $965K total interest expense against $937K.
$7.1M net interest income against $6.1M.
$751K total noninterest income against $722K; $2.3M total noninterest expense against $2.2M.
$119K provision for credit losses against $77K.
$5.4M net income against $4.5M.
5.12% return on assets against 4.56%; 6.82% net interest margin against 6.20%.
17.65% CET1 capital ratio against 17.10%; 14.14% tier 1 leverage ratio against 14.01%.
Inside the full Cumberland Security Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCumberland Security Bank, Inc. rankings
Its closest position to the top of a national ranking is 13 of 3,611, for ROA; its furthest is 2,721 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.42% (Q4 2024) to 5.12% (Q2 2026) and its net interest margin ran from 5.44% (Q1 2026) to 6.82% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.65% | 5.12% | 0.16% | 0.92% | 6.82% |
| Q1 2026 | 16.72% | 3.80% | 0.17% | 1.02% | 5.44% |
| Q4 2025 | 15.92% | 3.54% | 0.15% | 0.91% | 6.19% |
| Q3 2025 | 18.07% | 4.41% | 0.16% | 0.89% | 5.76% |
| Q2 2025 | 17.10% | 4.56% | 0.02% | 0.19% | 6.20% |
| Q1 2025 | 16.51% | 3.77% | 0.05% | 0.25% | 5.47% |
| Q4 2024 | 16.46% | 3.42% | 0.05% | 0.29% | 5.64% |
| Q3 2024 | 17.14% | 3.80% | 0.06% | 0.32% | 5.48% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Security Bank, Inc. (main office) | Somerset , KY | 42501 | $208.5M |
| Somerset Branch | Somerset , KY | 42501 | $57.5M |
| Eubank Branch | Eubank , KY | 42567 | $50.3M |
| South Branch | Somerset , KY | 42501 | $43.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1985 | Structure Change | Acquired Bank of Somerset Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 63 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Security Bank, Inc.
What are Cumberland Security Bank, Inc.'s total assets?
As of the Q2 2026 filing, Cumberland Security Bank, Inc. reported total assets of $420.1 million in its FFIEC call report.
Where is Cumberland Security Bank, Inc. headquartered?
It is headquartered in Somerset, KY, United States.
When was Cumberland Security Bank, Inc. founded?
It was established in 1909, per the FDIC institution directory.
Is Cumberland Security Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cumberland Security Bank, Inc.?
Cumberland Security Bank, Inc.'s primary federal regulator is the FDIC.
What is Cumberland Security Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cumberland Security Bank, Inc. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cumberland Security Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.92% 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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