Burkesville, KY · Cert 35442 · Citizens Cumberland Bancshares
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
31
Profitability
80
Liquidity
82
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Burkesville, KY · Cert 35442 · Citizens Cumberland Bancshares
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.61% | 1.71% | 1.41% | 1.49% | 1.53% | 1.64% | 1.50% | 1.62% | +13 bps | |
| Return on Equity | 14.08% | 14.98% | 12.61% | 13.09% | 13.18% | 14.18% | 12.90% | 13.71% | +62 bps | |
| Net Interest Margin | 4.61% | 4.54% | 4.47% | 4.53% | 4.54% | 4.57% | 4.67% | 4.73% | +20 bps | |
| Efficiency Ratio | 59.80% | 58.35% | 63.60% | 62.28% | 61.71% | 59.63% | 59.26% | 58.70% | -358 bps | |
| Non-Interest Burden | 2.54% | 2.43% | 2.66% | 2.63% | 2.62% | 2.53% | 2.57% | 2.59% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | -0.22% | 5.34% | 1.83% | 5.83% | 3.69% | 0.91% | 0.26% | -156 bps | |
| Loan Growth (YoY) | 4.31% | 3.61% | 1.30% | 1.97% | 1.87% | 1.54% | 2.00% | 3.94% | +198 bps | |
| Deposit Growth (YoY) | 0.94% | -0.32% | 3.20% | -0.28% | 4.64% | 2.97% | 2.91% | 1.24% | +151 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.46% | 0.56% | 0.50% | 0.49% | 0.46% | 0.43% | 0.51% | +1 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.02% | 0.05% | 0.04% | 0.05% | 0.06% | 0.10% | 0.24% | +21 bps | |
| Allowance / Loans | 1.27% | 1.18% | 1.16% | 1.16% | 1.14% | 1.10% | 1.14% | 1.03% | -14 bps | |
| Allowance Coverage of NPLs | 1.3x | 2.6x | 2.1x | 2.3x | 2.3x | 2.4x | 2.7x | 2.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.85% | 11.81% | 11.77% | 12.13% | 12.44% | 11.56% | 11.73% | 12.25% | +13 bps | |
| Total Risk-Based Capital | 12.85% | 11.81% | 11.77% | 12.13% | 12.44% | 11.56% | 11.73% | 12.25% | +13 bps | |
| Equity / Assets | 12.37% | 11.22% | 11.21% | 11.74% | 12.17% | 11.50% | 11.70% | 12.24% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.54% | 81.20% | 82.82% | 82.23% | 81.32% | 80.08% | 82.09% | 84.43% | +220 bps | |
| Liquid Assets / Assets | 3.29% | 3.23% | 2.92% | 2.89% | 2.33% | 2.33% | 2.36% | 2.36% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 121.49% | 131.33% | 132.19% | n/a | n/a | |
Burkesville, KY · Cert 35442 · Peer group: banks under $1B in assets in KY (n=69) · Citizens Cumberland Bancshares
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.62%
Rank 10 of 69
Net Interest Margin
4.73%
Rank 5 of 69
Efficiency Ratio
58.70%
Rank 29 of 69
Equity / Assets
12.24%
Rank 20 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.83% | 1.18% | 1.44% | Beats 86% | 10 / 69 | ||
| Return on Equity | 13.28% | 7.64% | 11.70% | 15.70% | Beats 61% | 27 / 69 | ||
| Net Interest Margin | 4.73% | 3.45% | 3.75% | 3.96% | Beats 93% | 5 / 69 | ||
| Efficiency Ratio | 58.70% | 55.32% | 62.99% | 70.80% | Beats 59% | 29 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.18% | 0.52% | 1.14% | Beats 52% | 34 / 69 | ||
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.02% | 0.06% | Beats 9% | 64 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.25% | 11.33% | 13.58% | 16.27% | Beats 35% | 45 / 69 | ||
| Total Risk-Based Capital Ratio | 12.25% | 11.55% | 14.43% | 17.27% | Beats 29% | 49 / 69 | ||
| Equity / Assets | 12.24% | 8.31% | 9.91% | 12.53% | Beats 71% | 20 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.43% | 71.40% | 81.07% | 88.03% | 59th pctl | 28 / 69 | ||
| Loans / Assets | 71.60% | 61.10% | 68.66% | 76.68% | 58th pctl | 29 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||