Cumberland Federal Bank, FSB
Cumberland, WI · Cert 29293 · Peer group: banks under $1B in assets in WI (n=110-113) · CFB Mutual Holding Co.
State savings bank · OCC · 2 branches
Q2 2026
$341.6MAssets
$177.1MLoans
$287.5MDeposits
$32.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: net interest margin trails 84% of banks under $1B in assets in WI (rank 95 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.35%
Rank 40 of 113
Net Interest Margin
3.00%
Rank 95 of 113
Efficiency Ratio
39.22%
Rank 4 of 113
Equity / Assets
9.44%
Rank 76 of 113
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 97% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.17% | 1.51% | Beats 65% | 40 / 113 | |
| Return on Equity | 14.32% | 7.70% | 10.77% | 13.67% | Beats 81% | 22 / 113 | |
| Net Interest Margin | 3.00% | 3.19% | 3.59% | 3.89% | Beats 16% | 95 / 113 | |
| Efficiency Ratio | 39.22% | 54.61% | 62.43% | 71.88% | Beats 97% | 4 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.03% | 0.24% | 0.91% | Beats 53% | 53 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 17.21% | 11.22% | 12.95% | 15.76% | Beats 79% | 24 / 113 | |
| Total Risk-Based Capital Ratio | 18.19% | 11.57% | 13.59% | 16.73% | Beats 81% | 21 / 113 | |
| Equity / Assets | 9.44% | 9.17% | 10.74% | 13.13% | Beats 33% | 76 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 61.60% | 76.54% | 86.37% | 98.93% | 11th pctl | 100 / 112 | |
| Loans / Assets | 51.84% | 63.07% | 71.33% | 78.84% | 9th pctl | 103 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |