Cumberland Valley National Bank & Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 62.06 percentage points higher than in Q1 2026, at 326.59%. Within Kentucky, Cumberland Valley National Bank & Trust Company is 54th of 119 on return on assets, 1.30% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Cumberland Valley National Bank & Trust Company sits 0.04 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 9.17% |
| Tangible equity to tangible assets | 9.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | -0.20% |
| Texas ratio | 2.86% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 326.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 14.49% |
| Net interest margin | 4.03% |
| Efficiency ratio | 62.83% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.87% |
| Core deposits to total deposits | 80.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.34% |
| Securities to assets | 14.95% |
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 | 13.20% | 13.20% | 14.39% | 9.61% | 0.64% |
| Q4 2023 | 13.06% | 13.06% | 14.31% | 9.62% | 0.48% |
| Q1 2024 | 13.08% | 13.08% | 14.29% | 9.74% | 0.51% |
| Q2 2024 | 13.14% | 13.14% | 14.37% | 9.85% | 0.78% |
| Q3 2024 | 12.72% | 12.72% | 13.90% | 9.91% | 0.69% |
| Q4 2024 | 12.96% | 12.96% | 14.17% | 9.63% | 0.78% |
| Q1 2025 | 13.12% | 13.12% | 14.35% | 9.56% | 0.90% |
| Q2 2025 | 12.54% | 12.54% | 13.76% | 9.29% | 0.95% |
| Q3 2025 | 12.48% | 12.48% | 13.69% | 9.48% | 0.93% |
| Q4 2025 | — | — | — | 9.53% | 1.13% |
| Q1 2026 | — | — | — | 9.44% | 0.97% |
| Q2 2026 | — | — | — | 9.49% | 1.30% |
Cumberland Valley National Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Valley National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)