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Cumberland Security Bank, Inc.

Somerset, KY · Cert 11358 · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$420.1MAssets
$346.3MLoans
$359.4MDeposits
$59.3MEquity
Loan mix
88%RE $304.1M10%C&I $34.0M2%Consumer $7.4MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $215.9M40%Noninterest $143.5MQ2 2025Q2 2026

NIM

6.01%Q2 ’246.56%Q2 ’257.04%Q2 ’26+11%+9%

Non-interest income vs. expense

2.26%Q2 ’242.19%Q2 ’252.18%Q2 ’26+1%+0%

Executive Summary

  • Earnings: ROA of 3.53%, up 28 bps year over year; NIM at 6.11%.
  • Asset quality: problem loans at 0.16% of loans (+15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.14%, up 13 bps from a year ago.
  • Funding: loans stand at 96.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.53%+28 bps YoY

Net Interest Margin (YTD, annualized)

6.11%+50 bps YoY

Efficiency Ratio (YTD, annualized)

32.11%-262 bps YoY

Tier 1 Leverage Ratio

14.14%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.25%3.30%3.14%3.06%3.53%+28 bps
Return on Equity24.52%24.42%23.50%23.02%26.07%+155 bps
Net Interest Margin5.61%5.61%5.62%5.37%6.11%+50 bps
Efficiency Ratio34.73%33.80%33.10%35.19%32.11%-262 bps
Non-Interest Burden1.49%1.42%1.38%1.46%1.49%0 bps
Growth
Asset Growth (YoY)17.18%14.81%16.05%11.85%1.44%-1,574 bps
Loan Growth (YoY)16.61%16.30%15.04%10.11%3.97%-1,264 bps
Deposit Growth (YoY)16.72%13.53%16.32%11.55%0.39%-1,633 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.16%0.15%0.17%0.16%+15 bps
Net Charge-Offs / Loans0.08%0.07%0.05%0.03%0.01%-6 bps
Allowance / Loans2.53%2.49%2.64%2.65%2.73%+20 bps
Allowance Coverage of NPLs158.9x15.8x18.0x15.2x16.8x-142.2x
Capital
Tier 1 Leverage Ratio14.01%14.80%13.67%13.32%14.14%+13 bps
Total Risk-Based Capital18.37%19.34%17.19%17.99%18.92%+55 bps
Equity / Assets13.27%14.16%12.80%13.76%14.12%+85 bps
Liquidity & Funding
Loans / Deposits93.04%94.83%94.01%98.44%96.37%+332 bps
Liquid Assets / Assets9.09%9.51%7.98%4.42%7.15%-194 bps
CRE / Total Capitaln/a299%340%331%n/an/a