Citizens Bank of Cumberland County, Inc.
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
$94.9MAssets
$67.9MLoans
$80.5MDeposits
$11.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets in KY (rank 5 of 69).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in KY (rank 64 of 69).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 59% of banks under $1B in assets in KY | 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 |