Bank call report · East Bernstadt, KY
Cumberland Valley National Bank & Trust Company Call Report
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Cumberland Valley National Bank & Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 309 reported line items, schedule by schedule (384 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 647218 |
| FDIC certificate number | 2691 |
| Total assets | $816.1M |
Official Q2 2026 call report PDF (FFIEC) →
Cumberland Valley National Bank & Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Cumberland Valley National Bank & Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $816.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $816.1M |
| Total Liabilities and Minority Interest | RCON2948 | $741.2M |
| Total Deposits | RCON2200 | $737.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $558.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $556.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $550.5M |
| Deposits: Noninterest-bearing | RCON6631 | $180.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $120.8M |
| Interest-bearing Balances | RCON0071 | $108.1M |
| Total Equity Capital | RCON3210 | $74.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $74.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $66.5M |
| Other Assets | RCON2160 | $16.9M |
| Surplus | RCON3839 | $11.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $9.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $7.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.3M |
| Other Liabilities, Total | RCON2930 | $4.0M |
| Common Stock | RCON3230 | $1.2M |
| Loans and Leases Held for Sale | RCON5369 | $1.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.1M |
| Held-to-maturity Securities, Total | RCON1754 | $1.1M |
| Federal Funds Sold | RCONB987 | $54K |
Schedule RI: Income Statement (42 items)
About Schedule RI · Cumberland Valley National Bank & Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $22.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $18.1M |
| Net Interest Income | RIAD4074 | $15.6M |
| Total Noninterest Expense | RIAD4093 | $12.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $9.9M |
| Salaries and Employee Benefits | RIAD4135 | $6.8M |
| Total Interest Expense | RIAD4073 | $6.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.7M |
| Net Income (Loss) | RIAD4340 | $4.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.7M |
| Other Noninterest Expense | RIAD4092 | $4.3M |
| Total Noninterest Income | RIAD4079 | $3.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.0M |
| Other Noninterest Income | RIADB497 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.6M |
| Applicable Income Taxes | RIAD4302 | $1.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.3M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $825K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $714K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $650K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $407K |
| Interest on Other Securities | RIAD4060 | $402K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $260K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $198K |
| Noninterest income: Income from insurance activities | RIADHT74 | $157K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $155K |
| Provision for Loan and Lease Losses | RIAD4230 | $150K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $150K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $113K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $70K |
| Other Interest Income | RIAD4518 | $43K |
| Net Servicing Fees | RIADB492 | $30K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $16K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 137 |
Schedule RC-B: Securities (41 items)
About Schedule RC-B · Cumberland Valley National Bank & Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $30.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $28.7M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $126.6M |
| Pledged Securities | RCON0416 | $97.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $32.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $30.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $26.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $21.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $19.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $16.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $16.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $16.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $14.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $14.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $13.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $12.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $11.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $11.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $10.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $10.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $8.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $7.4M |
| Amortized Cost of Structured Notes | RCON8782 | $6.1M |
| Fair Value of Structured Notes | RCON8783 | $5.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $4.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $2.0M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $2.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $2.0M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $2.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $952K |
| Total (Asset-backed Securities) Amortized Cost - Held to Maturity | RCONC026 | $876K |
| Asset-backed Securities: Held-to-maturity-fair Value | RCONC988 | $726K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $495K |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $255K |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $226K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $62K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $27K |
Schedule RC-C, Part I: Loans and Leases (37 items)
About Schedule RC-C, Part I · Cumberland Valley National Bank & Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $559.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $128.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $127.7M |
| Pledged Loans and Leases | RCONG378 | $127.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $122.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $115.0M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $92.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $87.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $86.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $60.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $60.1M |
| Commercial and Industrial Loans | RCON1766 | $53.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $52.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $38.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $36.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $35.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $32.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $32.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $30.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $25.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $19.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $10.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $9.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $7.8M |
| Other Loans | RCONJ464 | $7.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.0M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $5.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.2M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $2.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.9M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $813K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $389K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $315K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $18K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $46.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $8.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $3.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $770K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $177K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $116K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $96K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 134 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 123 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 59 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 35 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 30 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 28 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 20 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 6 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Cumberland Valley National Bank & Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $427.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $334.9M |
| Total Transaction Accounts | RCON2215 | $309.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $248.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $180.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $144.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $143.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $113.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $92.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $92.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $76.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $66.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $64.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $61.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $58.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $51.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $39.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $36.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $30.7M |
| Sweep deposits: Not fully insured, non-affiliate sweep deposits | RCONMT93 | $27.4M |
| Total reciprocal deposits | RCONJH83 | $18.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $14.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $6.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $3.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.3M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $710K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $254K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $8.0M |
| Net Deferred Tax Assets | RCON2148 | $3.5M |
| Accrued Interest Receivable | RCONB556 | $2.5M |
| Other Assets | RCON2168 | $1.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.3M |
| Prepaid Expenses | RCON2166 | $955K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| All Other Liabilities | RCON2938 | $490K |
| Operating lease liabilities | RCONLB56 | $322K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $167K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $133K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Cumberland Valley National Bank & Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $833.7M |
| Quarterly Average of Total Loans | RCON3360 | $561.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $339.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $177.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $145.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $135.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $134.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $123.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $116.8M |
| Mortgage-backed Securities | RCONB559 | $66.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $55.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $32.5M |
| All Other Securities | RCONB560 | $30.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $15.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $2.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $354K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $4K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Cumberland Valley National Bank & Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $53.9M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $53.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $53.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $26.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $22.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $7.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $7.3M |
| Unused Commitments - Credit Card Lines | RCON3815 | $7.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.1M |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Cumberland Valley National Bank & Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $821K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · Cumberland Valley National Bank & Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $499K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $394K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $380K |
| Additions to Nonaccrual Assets | RCONC410 | $350K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $309K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $220K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $172K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $168K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $132K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $95K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $54K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $49K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $39K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $13K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $12K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $8K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $8K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Cumberland Valley National Bank & Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $834.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $739.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $365.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $359.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $79.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $13.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 25,562 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 685 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 458 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Cumberland Valley National Bank & Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $833.7M |
| Average total consolidated assets | RCOAKW03 | $833.7M |
| Total Assets | RCOA2170 | $816.1M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $126.1M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $125.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $79.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $79.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $79.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $74.8M |
| Retained Earnings | RCOAKW00 | $66.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4.3M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1546 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0949 |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $253K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $74.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $74.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $74.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.9M |
| Other Comprehensive Income | RIADB511 | -$595K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (14 items)
About Schedule RI-B, Part I · Cumberland Valley National Bank & Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $438K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $218K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $186K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $179K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $94K |
| Charge-offs on Automobile Loans | RIADK129 | $43K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $35K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $31K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $23K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $23K |
| Recoveries on Automobile Loans | RIADK133 | $22K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $18K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $1K |
| Recoveries on Loans to Credit Cards | RIADB515 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Cumberland Valley National Bank & Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $7.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $7.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $218K |
Cumberland Valley National Bank & Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Cumberland Valley National Bank & Trust Company call report?
The Cumberland Valley National Bank & Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cumberland Valley National Bank & Trust Company file?
Cumberland Valley National Bank & Trust Company files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cumberland Valley National Bank & Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cumberland Valley National Bank & Trust Company has Federal Reserve RSSD ID 647218 and FDIC certificate number 2691. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cumberland Valley National Bank & Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cumberland Valley National Bank & Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)