Cumberland Security Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.22 percentage points lower than in Q1 2026, at 182.04%. Within Kentucky, Cumberland Security Bank, Inc. is 21st of 120 on loan-to-deposit ratio, 96.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cumberland Security Bank, Inc. sits 15.53 points higher, at 96.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.3M |
| Net loans and leases | $336.9M |
| Loans held for sale | $0 |
| Loans to total assets | 82.45% |
| Loan-to-deposit ratio | 96.37% |
| Net loans to equity capital | 5.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.76% |
| Multifamily (5+ residential) | 5.69% |
| Commercial and industrial | 9.40% |
| Consumer | 2.04% |
| Credit cards | 0.00% |
| Farm | 6.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.04% |
| Construction concentration (Tier 1 capital + allowance) | 52.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.47% |
| Interest income on loans | $7.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $268.9M | $288.3M | 34.88% | 8.42% | 2.51% |
| Q4 2023 | $269.4M | $286.9M | 34.53% | 9.47% | 2.53% |
| Q1 2024 | $282.0M | $295.5M | 34.54% | 10.81% | 2.46% |
| Q2 2024 | $285.7M | $306.7M | 34.40% | 11.16% | 2.73% |
| Q3 2024 | $292.5M | $316.0M | 34.09% | 10.70% | 2.69% |
| Q4 2024 | $303.7M | $319.6M | 33.79% | 10.82% | 2.59% |
| Q1 2025 | $320.3M | $321.1M | 33.05% | 10.70% | 2.45% |
| Q2 2025 | $333.1M | $358.0M | 32.23% | 11.70% | 2.41% |
| Q3 2025 | $340.2M | $358.7M | 35.38% | 9.70% | 2.42% |
| Q4 2025 | $349.4M | $371.7M | 38.44% | 9.88% | 2.43% |
| Q1 2026 | $352.6M | $358.2M | 38.09% | 9.63% | 2.10% |
| Q2 2026 | $346.3M | $359.4M | 37.76% | 9.40% | 2.04% |
Cumberland Security Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Security Bank, Inc., freeSource: Call Report Schedule RC-C, 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 Security Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11358) · FFIEC NIC profile (RSSD 202514)