Cumberland Valley National Bank & Trust Company
Also written as CVNB&T
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Data as of · sourced from FFIEC call reports. How we update
Cumberland Valley National Bank & Trust Company is an FDIC-insured commercial bank headquartered in East Bernstadt, KY, established in 1904 (FDIC certificate 2691), and it is supervised by the OCC. At Q2 2026 it reported total assets of $816.1M, up 2.8% from Q2 2025, the 21st largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2691
- Headquarters
- East Bernstadt, KY
- Established
- 1904
- Total assets, Q2 2026
- $816.1M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 9.49%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 042104825
- Latest call report
- Q2 2026, FFIEC 051 · Cumberland Valley National Bank & Trust Company Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- CUMBERLAND VALLEY FINANCIAL CORPORATION
- Asset rank in state
- 21st of 120 in Kentucky
Cumberland Valley National Bank & Trust Company leans heavily on commercial real estate. The East Bernstadt, Kentucky bank had $816 million in assets at June 30, 2026, up 2.8% from a year earlier. It holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also funds 9.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.7 million, 42% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.22% of loans from 0.63%.
As of June 30, 2026, Cumberland Valley National Bank & Trust Company reported a return on assets of 1.30%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.49%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Cumberland Valley National Bank & Trust Company is the 21st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $816.1M, loans fell 0.6% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.4% of total loans, followed by non-owner-occupied commercial real estate loans at 20.6%. Its 14 offices in the FDIC Summary of Deposits are in 7 cities in KY; its London 5 offices book 46% of its branch deposits. On its Q2 2026 call report, Cumberland Valley National Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, East Bernstadt, KY 40741
- County
- Laurel
- Metro Area
- Corbin, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Former names
- Second National Bank of London (1939-1972)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $737.2M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- -$220K
- Average total assets
- $833.7M
- Average total loans
- $561.0M
- Average interest-bearing deposits
- $581.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2691
- Fed RSSD
- 647218
- Website
- www.cvnb.com →
- Parent Holding Company
- CUMBERLAND VALLEY FINANCIAL CORPORATION (RSSD 1071463)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Cumberland Valley National Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Cumberland Valley National Bank & Trust Company's total assets moved between a low of $716.1M (Q3 2023) and a high of $833.1M (Q1 2026) 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
$816.1M total assets against $793.9M; $741.2M total liabilities against $724.8M.
$551.6M net loans and leases against $553.3M; $737.2M total deposits against $720.6M.
$122.0M securities against $116.9M; $117.3M cash and balances due against $98.4M.
$11.3M total interest income against $10.6M; $3.2M total interest expense against $3.5M.
$8.1M net interest income against $7.1M.
$1.6M total noninterest income against $1.7M; $6.1M total noninterest expense against $6.1M.
$0 provision for credit losses against $200K.
$2.7M net income against $1.9M.
1.30% return on assets against 0.95%; 4.03% net interest margin against 3.68%.
9.49% tier 1 leverage ratio against 9.29%.
Inside the full Cumberland Valley National Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cumberland Valley National Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,226 of 4,196, for total assets; its furthest is 2,474 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.30% (Q2 2026) and its net interest margin ran from 3.42% (Q3 2024) to 4.03% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.49% | 1.30% | 0.22% | 1.49% | 4.03% |
| Q1 2026 | 9.44% | 0.97% | 0.30% | 2.03% | 3.73% |
| Q4 2025 | 9.53% | 1.13% | 0.45% | 3.08% | 3.78% |
| Q3 2025 | 9.48% | 0.93% | 0.26% | 1.86% | 3.74% |
| Q2 2025 | 9.29% | 0.95% | 0.63% | 4.64% | 3.68% |
| Q1 2025 | 9.56% | 0.90% | 0.60% | 4.20% | 3.48% |
| Q4 2024 | 9.63% | 0.78% | 0.61% | 4.34% | 3.48% |
| Q3 2024 | 9.91% | 0.69% | 0.66% | 4.64% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 Valley National Bank & Trust Company (main office) | London , KY | 40741 | $251.9M |
| South Corbin Branch | Corbin , KY | 40701 | $86.9M |
| Richmond By-Pass Branch | Richmond , KY | 40475 | $79.5M |
| North Richmond | Richmond , KY | 40475 | $72.9M |
| Somerset Lodge Branch | Somerset , KY | 42501 | $41.9M |
| Berea Branch | Berea , KY | 40403 | $41.0M |
| West London Branch | London , KY | 40741 | $30.5M |
| Commonwealth Branch East Corbin | Corbin , KY | 40701 | $30.3M |
| North Branch | London , KY | 40741 | $27.4M |
| Old Henry Road Branch | Louisville , KY | 40223 | $19.2M |
| Nicholasville Road Branch | Lexington , KY | 40503 | $17.6M |
| Wal-Mart Superstore Branch | London , KY | 40741 | $16.2M |
| U.S. 25 South Branch | London , KY | 40744 | $14.1M |
| Lexington Branch | Lexington , KY | 40509 | $7.9M |
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 |
|---|---|---|---|
| July 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired Corbin Deposit Bank & Trust Company 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.
- Enforcement actions
- 3 against the institution (OCC)
- November 14, 2008, OCC: Formal Agreement: Cumberland Valley National Bank & Trust Company
- January 24, 2003, OCC: Civil Money Penalty (CMP): Cumberland Valley National Bank & Trust Company
- October 22, 2001, OCC: Formal Agreement: Cumberland Valley National Bank & Trust Company
- Period: Most recent institution action November 14, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in KY, rank 33 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 120 applications, 105 loans originated, $56.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Valley National Bank & Trust Company
What are Cumberland Valley National Bank & Trust Company's total assets?
As of the Q2 2026 filing, Cumberland Valley National Bank & Trust Company reported total assets of $816.1 million in its FFIEC call report.
Where is Cumberland Valley National Bank & Trust Company headquartered?
It is headquartered in East Bernstadt, KY, United States.
When was Cumberland Valley National Bank & Trust Company founded?
It was established in 1904, per the FDIC institution directory.
Is Cumberland Valley National Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cumberland Valley National Bank & Trust Company?
Cumberland Valley National Bank & Trust Company's primary federal regulator is the OCC.
How many branches does Cumberland Valley National Bank & Trust Company operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cumberland Valley National Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 1.49% 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.
What was Cumberland Valley National Bank & Trust Company previously called?
The charter now named Cumberland Valley National Bank & Trust Company has also operated as Second National Bank of London (1939-1972), per FDIC structure-change records.
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