Cumberland Security Bank, Inc.: 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.
Reserve coverage of non-performing loans climbed 403.61 percentage points in Q2 2026, from 1524.35% to 1927.96%. It was the largest change from Q1 2026 among the key lines here. Cumberland Security Bank, Inc. has the highest return on assets of the 119 banks headquartered in Kentucky, 5.12% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Cumberland Security Bank, Inc. reported 5.12% on return on assets in Q2 2026, 3.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.65% |
| Tier 1 risk-based capital ratio | 17.65% |
| Total risk-based capital ratio | 18.92% |
| Tier 1 leverage ratio | 14.14% |
| Equity capital to assets | 14.12% |
| Tangible equity to tangible assets | 14.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.92% |
| Allowance for credit losses to loans | 2.73% |
| Reserve coverage of non-performing loans | 1927.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.12% |
| Return on equity | 36.91% |
| Net interest margin | 6.82% |
| Efficiency ratio | 29.46% |
| Yield on earning assets | 7.75% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.37% |
| Core deposits to total deposits | 89.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.56% |
| Securities to assets | 9.20% |
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 | 16.99% | 16.99% | 18.26% | 13.44% | 3.66% |
| Q4 2023 | — | — | — | 13.40% | 3.21% |
| Q1 2024 | 16.57% | 16.57% | 17.84% | 13.80% | 3.44% |
| Q2 2024 | 16.48% | 16.48% | 17.75% | 13.60% | 3.59% |
| Q3 2024 | 17.14% | 17.14% | 18.41% | 13.84% | 3.80% |
| Q4 2024 | 16.46% | 16.46% | 17.73% | 13.43% | 3.42% |
| Q1 2025 | 16.51% | 16.51% | 17.77% | 13.78% | 3.77% |
| Q2 2025 | 17.10% | 17.10% | 18.37% | 14.01% | 4.56% |
| Q3 2025 | 18.07% | 18.07% | 19.34% | 14.80% | 4.41% |
| Q4 2025 | 15.92% | 15.92% | 17.19% | 13.67% | 3.54% |
| Q1 2026 | 16.72% | 16.72% | 17.99% | 13.32% | 3.80% |
| Q2 2026 | 17.65% | 17.65% | 18.92% | 14.14% | 5.12% |
Cumberland Security Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Security Bank, Inc., 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 Security Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11358) · FFIEC NIC profile (RSSD 202514)