East Bernstadt, KY · Cert 2691 · Cumberland Valley Finl Corp.
National charter · OCC · 14 branches
Q2 2026
Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 0.2% share · #29 of 36 inst. · $0.0B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.69% | 0.91% | 0.94% | 0.94% | 0.99% | 0.98% | 1.15% | +21 bps | |
| Return on Equity | 7.53% | 7.91% | 10.44% | 10.75% | 10.66% | 11.18% | 10.85% | 12.67% | +192 bps | |
| Net Interest Margin | 3.17% | 3.11% | 3.33% | 3.42% | 3.47% | 3.46% | 3.60% | 3.73% | +32 bps | |
| Efficiency Ratio | 77.56% | 76.13% | 69.88% | 69.65% | 70.00% | 69.02% | 68.58% | 65.74% | -392 bps | |
| Non-Interest Burden | 2.26% | 2.16% | 2.07% | 2.12% | 2.18% | 2.13% | 2.23% | 2.19% | +7 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 / Loans | 0.66% | 0.61% | 0.60% | 0.63% | 0.26% | 0.45% | 0.30% | 0.22% | -41 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.02% | 0.03% | 0.03% | 0.03% | 0.04% | -0.08% | -11 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.29% | 1.27% | 1.28% | 1.30% | 1.31% | 1.37% | +10 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.1x | 2.1x | 2.0x | 4.9x | 2.9x | 4.4x | 6.2x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.91% | 9.63% | 9.56% | 9.29% | 9.48% | 9.53% | 9.44% | 9.49% | +20 bps | |
| Total Risk-Based Capital | 13.90% | 14.17% | 14.35% | 13.76% | 13.69% | 9.53% | 9.44% | 9.49% | -427 bps | |
| Equity / Assets | 9.20% | 8.60% | 8.93% | 8.71% | 9.07% | 9.15% | 8.96% | 9.17% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.62% | 74.58% | 75.71% | 77.77% | 78.32% | 76.38% | 74.55% | 75.87% | -190 bps | |
| Liquid Assets / Assets | 9.23% | 13.58% | 13.13% | 11.19% | 10.67% | 11.92% | 13.82% | 13.38% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 387% | 382% | 383% | n/a | n/a | |