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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 $7.4MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $215.9M40%Noninterest $143.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 4.04%, up 45 bps year over year; NIM at 6.71%.
  • Asset quality: problem loans at 0.16% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

4.04%+45 bps YoY

Net Interest Margin (quarter, annualized)

6.71%+55 bps YoY

Efficiency Ratio (quarter, annualized)

29.55%-315 bps YoY

Tier 1 Leverage Ratio

14.14%+13 bps YoY

NIM

6.21%Q2 ’247.11%Q2 ’257.63%Q2 ’26+19%+9%

Non-interest income vs. expense

2.29%Q2 ’242.25%Q2 ’252.19%Q2 ’26+2%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.92%2.66%2.96%3.59%3.34%2.64%3.06%4.04%+45 bps
Return on Equity22.37%20.30%22.30%26.73%24.32%19.59%23.02%28.97%+224 bps
Net Interest Margin5.39%5.50%5.39%6.16%5.83%5.60%5.37%6.71%+55 bps
Efficiency Ratio36.89%34.83%37.16%32.70%32.05%31.00%35.19%29.55%-315 bps
Non-Interest Burden1.47%1.41%1.55%1.52%1.36%1.24%1.46%1.48%-4 bps
Growth
Asset Growth (YoY)10.25%11.35%9.19%17.18%14.81%16.05%11.85%1.44%-1,574 bps
Loan Growth (YoY)8.78%12.75%13.57%16.61%16.30%15.04%10.11%3.97%-1,264 bps
Deposit Growth (YoY)9.60%11.40%8.67%16.72%13.53%16.32%11.55%0.39%-1,633 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.05%0.02%0.16%0.15%0.17%0.16%+15 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.15%0.05%-0.01%0.03%0.00%-15 bps
Allowance / Loans2.67%2.77%2.65%2.53%2.49%2.64%2.65%2.73%+20 bps
Allowance Coverage of NPLs43.8x51.9x56.5x158.9x15.8x18.0x15.2x16.8x-142.2x
Capital
Tier 1 Leverage Ratio13.84%13.43%13.78%14.01%14.80%13.67%13.32%14.14%+13 bps
Total Risk-Based Capital18.41%17.73%17.77%18.37%19.34%17.19%17.99%18.92%+55 bps
Equity / Assets13.21%12.98%13.58%13.27%14.16%12.80%13.76%14.12%+85 bps
Liquidity & Funding
Loans / Deposits92.58%95.05%99.73%93.04%94.83%94.01%98.44%96.37%+332 bps
Liquid Assets / Assets7.13%5.16%2.18%9.09%9.51%7.98%4.42%7.15%-194 bps
CRE / Total Capitaln/an/an/an/a299%340%331%n/an/a