Cumberland Valley National Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cumberland Valley National Bank & Trust Company of East Bernstadt, 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 Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 52nd above |
| ROAE | 14.49% | 13.31% | +1.18% | 63rd above |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 62.83% | 61.14% | +1.69% | 45th below |
| PPNR / Avg Assets | 1.72% | 1.68% | +0.04% | 58th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.67% | -0.03% | 52nd above |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 49th below |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans | -0.20% | 0.16% | -0.36% | 98th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 326.59% | 1539.72% | -1213.13% | 62nd above |
| Texas Ratio | 2.86% | 7.33% | -4.47% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.49% | 12.14% | -2.65% | 21st bottom |
| Equity / Assets | 9.17% | 11.38% | -2.21% | 30th below |
| TCE / Tangible Assets | 9.17% | 11.09% | -1.92% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.87% | 80.64% | -4.77% | 60th above |
| Core Deposit Ratio | 80.47% | 86.87% | -6.40% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.78% | 6.86% | -4.08% | 38th below |
| Loan Growth (Y/Y) | -0.20% | 7.91% | -8.11% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.30% | 6.29% | -3.99% | 37th below |
See Cumberland Valley National Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Valley National Bank & Trust Company profile, how to read a UBPR, or how this data updates.