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Cumberland Federal Bank, FSB

Cumberland, WI · Cert 29293 · CFB Mutual Holding Co.

State savings bank · OCC · 2 branches

Q2 2026

$341.6MAssets
$177.1MLoans
$287.5MDeposits
$32.3MEquity
Loan mix
91%RE $149.3M7%C&I $11.2M2%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $274.6M4%Noninterest $12.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.44%, up 17 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.19% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.06%, up 20 bps from a year ago.
  • Funding: loans stand at 61.60% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.44%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.09%+28 bps YoY

Efficiency Ratio (quarter, annualized)

38.00%-529 bps YoY

Tier 1 Leverage Ratio

10.06%+20 bps YoY

NIM

5.58%Q2 ’245.68%Q2 ’255.74%Q2 ’26+18%+10%

Non-interest income vs. expense

1.46%Q2 ’241.31%Q2 ’251.23%Q2 ’26-13%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.67%1.15%1.27%1.33%0.83%1.34%1.44%+17 bps
Return on Equity10.77%7.53%12.97%13.93%14.47%8.90%14.26%15.19%+126 bps
Net Interest Margin2.41%2.64%2.65%2.81%2.85%2.98%2.98%3.09%+28 bps
Efficiency Ratio54.65%66.05%50.31%43.29%41.10%60.19%40.51%38.00%-529 bps
Non-Interest Burden1.22%1.68%1.26%1.10%1.07%1.70%1.10%1.08%-2 bps
Growth
Asset Growth (YoY)11.17%11.87%13.19%14.63%15.37%12.99%11.81%10.40%-423 bps
Loan Growth (YoY)18.16%25.00%27.39%27.06%23.15%16.02%13.43%9.66%-1,739 bps
Deposit Growth (YoY)9.34%10.28%8.71%5.97%15.37%13.09%7.29%12.96%+699 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.63%0.52%0.47%0.39%0.38%0.11%0.19%-28 bps
Net Charge-Offs / Loans0.00%0.11%-0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.80%0.80%0.81%0.83%0.91%0.99%1.07%1.11%+27 bps
Allowance Coverage of NPLs19.7x1.3x1.6x1.8x2.4x2.6x9.6x5.7x+4.0x
Capital
Tier 1 Leverage Ratio10.02%9.75%9.81%9.86%9.67%9.68%9.97%10.06%+20 bps
Total Risk-Based Capital18.10%16.91%17.39%17.26%17.55%17.35%18.22%18.19%+93 bps
Equity / Assets9.34%8.60%9.13%9.09%9.23%9.34%9.51%9.44%+35 bps
Liquidity & Funding
Loans / Deposits56.98%61.83%61.73%63.45%60.82%63.44%65.26%61.60%-185 bps
Liquid Assets / Assets0.70%0.19%0.31%0.18%1.59%0.27%0.32%0.21%+3 bps
CRE / Total Capitaln/an/an/an/a116.89%117.93%108.44%n/an/a