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Cumberland Valley National Bank & Trust Company

East Bernstadt, KY · Cert 2691 · Cumberland Valley Finl Corp.

National charter · OCC · 14 branches

Q2 2026

$816.1MAssets
$559.3MLoans
$737.2MDeposits
$74.8MEquity
Loan mix
86%RE $474.5M10%C&I $56.0M4%Consumer $19.9MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $556.3M25%Noninterest $180.9MQ3 2024Q2 2026

Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 0.2% share · #29 of 36 inst. · $0.0B of $16.0B

26.2% Laurel
9.7% Madison
15.3% Whitley
2.2% Pulaski

Executive Summary

  • Earnings: ROA of 1.31%, up 35 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.22% of loans (-41 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 9.49%, up 20 bps from a year ago.
  • Funding: loans stand at 75.87% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.31%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+36 bps YoY

Efficiency Ratio (quarter, annualized)

63.11%-633 bps YoY

Tier 1 Leverage Ratio

9.49%+20 bps YoY

NIM

4.85%Q2 ’245.25%Q2 ’255.44%Q2 ’26+10%+10%

Non-interest income vs. expense

3.15%Q2 ’243.04%Q2 ’252.95%Q2 ’26-1%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.79%0.91%0.96%0.94%1.15%0.98%1.31%+35 bps
Return on Equity7.69%8.89%10.44%10.93%10.62%12.68%10.85%14.49%+355 bps
Net Interest Margin3.26%3.31%3.33%3.53%3.59%3.62%3.60%3.89%+36 bps
Efficiency Ratio77.15%72.16%69.88%69.44%70.68%66.20%68.58%63.11%-633 bps
Non-Interest Burden2.31%2.14%2.07%2.19%2.30%2.12%2.23%2.17%-2 bps
Growth
Asset Growth (YoY)3.80%8.47%8.55%7.90%7.12%3.53%5.28%2.78%-512 bps
Loan Growth (YoY)9.29%6.77%7.70%11.10%6.11%5.31%3.69%-0.20%-1,130 bps
Deposit Growth (YoY)2.14%8.40%8.08%9.16%7.87%2.83%5.30%2.30%-686 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.61%0.60%0.63%0.26%0.45%0.30%0.22%-41 bps
Net Charge-Offs / Loans0.03%0.10%0.02%0.04%0.02%0.02%0.04%-0.20%-24 bps
Allowance / Loans1.27%1.28%1.29%1.27%1.28%1.30%1.31%1.37%+10 bps
Allowance Coverage of NPLs1.9x2.1x2.1x2.0x4.9x2.9x4.4x6.2x+4.2x
Capital
Tier 1 Leverage Ratio9.91%9.63%9.56%9.29%9.48%9.53%9.44%9.49%+20 bps
Total Risk-Based Capital13.90%14.17%14.35%13.76%13.69%9.53%9.44%9.49%-427 bps
Equity / Assets9.20%8.60%8.93%8.71%9.07%9.15%8.96%9.17%+46 bps
Liquidity & Funding
Loans / Deposits79.62%74.58%75.71%77.77%78.32%76.38%74.55%75.87%-190 bps
Liquid Assets / Assets9.23%13.58%13.13%11.19%10.67%11.92%13.82%13.38%+219 bps
CRE / Total Capitaln/an/an/an/a387%382%383%n/an/a