Cumberland Valley National Bank & Trust Company
East Bernstadt, KY · Cert 2691 · Peer group: banks under $1B in assets in KY (n=69) · Cumberland Valley Finl Corp.
National charter · OCC · 14 branches
Q2 2026
$816.1MAssets
$559.3MLoans
$737.2MDeposits
$74.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets in KY (rank 21 of 69).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in KY (rank 64 of 69).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.16%
Rank 36 of 69
Net Interest Margin
3.73%
Rank 36 of 69
Efficiency Ratio
65.74%
Rank 40 of 69
Equity / Assets
9.17%
Rank 41 of 69
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 43% 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 | 1.16% | 0.83% | 1.18% | 1.44% | Beats 48% | 36 / 69 | |
| Return on Equity | 12.64% | 7.64% | 11.70% | 15.70% | Beats 55% | 31 / 69 | |
| Net Interest Margin | 3.73% | 3.45% | 3.75% | 3.96% | Beats 48% | 36 / 69 | |
| Efficiency Ratio | 65.74% | 55.32% | 62.99% | 70.80% | Beats 43% | 40 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.18% | 0.52% | 1.14% | Beats 71% | 21 / 69 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 33% | 47 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 9.49% | 11.33% | 13.58% | 16.27% | Beats 9% | 63 / 69 | |
| Total Risk-Based Capital Ratio | 9.49% | 11.55% | 14.43% | 17.27% | Beats 7% | 64 / 69 | |
| Equity / Assets | 9.17% | 8.31% | 9.91% | 12.53% | Beats 41% | 41 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 75.87% | 71.40% | 81.07% | 88.03% | 32nd pctl | 47 / 69 | |
| Loans / Assets | 68.54% | 61.10% | 68.66% | 76.68% | 48th pctl | 36 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |