Cumberland Security Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cumberland Security Bank, Inc. of Somerset, KY 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 | 5.12% | 1.34% | +3.78% | 99th top |
| ROAE | 36.91% | 13.30% | +23.61% | 99th top |
| Net Interest Margin | 6.82% | 3.93% | +2.89% | 99th top |
| Efficiency Ratio | 29.46% | 61.15% | -31.69% | 99th top |
| PPNR / Avg Assets | 5.23% | 1.68% | +3.55% | 99th top |
| Yield on Earning Assets | 7.75% | 5.67% | +2.08% | 98th top |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 5.96% | 3.32% | +2.64% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 2.73% | 1.28% | +1.45% | 98th top |
| ACL / NPLs (Coverage) | 1927.96% | 1538.50% | +389.46% | — |
| Texas Ratio | 0.92% | 7.33% | -6.41% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 962.50% | 1395.76% | -433.26% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.65% | 19.50% | -1.85% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.65% | 19.54% | -1.89% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.92% | 20.62% | -1.70% | 68th above |
| Leverage Ratio | 14.14% | 12.14% | +2.00% | 82nd top |
| Equity / Assets | 14.12% | 11.37% | +2.75% | 85th top |
| TCE / Tangible Assets | 14.11% | 11.09% | +3.02% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.37% | 80.63% | +15.74% | 16th bottom |
| Core Deposit Ratio | 89.28% | 86.86% | +2.42% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.44% | 6.85% | -5.41% | 29th below |
| Loan Growth (Y/Y) | 3.97% | 7.90% | -3.93% | 42nd below |
| Deposit Growth (Y/Y) | 0.39% | 6.29% | -5.90% | 25th below |
See Cumberland Security Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cumberland Security Bank, Inc., 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 Security Bank, Inc. profile, how to read a UBPR, or how this data updates.