Advertisement
Cumberland Federal Bank, FSB
Cumberland, WI · FDIC Certificate #29293 · Chartered 01/0
Total assets
$341.64M
Total deposits
$287.52M
Total equity
$32.27M
Net loans
$175.16M
Branches (offices)
2
Net income (YTD)
$2.31M
Rank: #2,284 of 4,213 U.S. banks by assets · #88 of 153 in Wisconsin. Assets changed 10.4% and deposits 13.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 14.71% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 10.06% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.93M | 87.9% | |
| Commercial & industrial | $11.57M | 6.6% | |
| Consumer / individual | $3.01M | 1.7% | |
| Construction & development | $14.44M | 8.2% | |
| Agricultural | $7.07M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.15M | $183.36M | $1.03M | $20.01M |
| Jun 2023 | $255.19M | $215.99M | $1.29M | $20.80M |
| Jun 2024 | $269.94M | $240.19M | $1.12M | $23.47M |
| Jun 2025 | $309.44M | $254.52M | $1.80M | $28.13M |
| Jun 2026 | $341.64M | $287.52M | $2.31M | $32.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $287.52M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $287.52M.
Similar-sized banks
Bank Of Kilmichael ($341.64M) · Exchange Bank Co. ($341.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement