Cumberland Security Bank, Inc.
Somerset, KY · Cert 11358 · Peer group: banks under $1B in assets in KY (n=69) · First Commerce Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$420.1MAssets
$346.3MLoans
$359.4MDeposits
$59.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in KY (rank 1 of 69).
- Widest gap: net charge-offs / loans trails 35% of banks under $1B in assets in KY (rank 25 of 69).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
3.55%
Rank 1 of 69
Net Interest Margin
6.11%
Rank 1 of 69
Efficiency Ratio
32.11%
Rank 1 of 69
Equity / Assets
14.12%
Rank 11 of 69
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 100% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.55% | 0.83% | 1.18% | 1.44% | Beats 99% | 1 / 69 | |
| Return on Equity | 25.11% | 7.64% | 11.70% | 15.70% | Beats 99% | 1 / 69 | |
| Net Interest Margin | 6.11% | 3.45% | 3.75% | 3.96% | Beats 99% | 1 / 69 | |
| Efficiency Ratio | 32.11% | 55.32% | 62.99% | 70.80% | Beats 100% | 1 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.18% | 0.52% | 1.14% | Beats 77% | 17 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 65% | 25 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 17.65% | 11.33% | 13.58% | 16.27% | Beats 80% | 14 / 69 | |
| Total Risk-Based Capital Ratio | 18.92% | 11.55% | 14.43% | 17.27% | Beats 80% | 14 / 69 | |
| Equity / Assets | 14.12% | 8.31% | 9.91% | 12.53% | Beats 84% | 11 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 96.37% | 71.40% | 81.07% | 88.03% | 86th pctl | 10 / 69 | |
| Loans / Assets | 82.45% | 61.10% | 68.66% | 76.68% | 84th pctl | 11 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |