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Cumberland Security Bank, Inc.
Somerset, KY · FDIC Certificate #11358 · Chartered 08/1
Total assets
$420.06M
Total deposits
$359.40M
Total equity
$59.31M
Net loans
$336.89M
Branches (offices)
4
Net income (YTD)
$9.48M
Rank: #1,996 of 4,213 U.S. banks by assets · #49 of 120 in Kentucky. Assets changed 1.4% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 4.50% |
| Return on equity | 33.21% |
| Net interest margin (YTD) | 6.33% |
| Equity to assets | 14.12% |
| Tier 1 leverage ratio | 14.14% |
| Uninsured deposits (share of deposits) | 40.5% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $300.26M | 89.1% | |
| Commercial & industrial | $32.54M | 9.7% | |
| Consumer / individual | $7.07M | 2.1% | |
| Construction & development | $35.98M | 10.7% | |
| Agricultural | $3.63M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $296.07M | $258.95M | $3.62M | $36.31M |
| Jun 2023 | $318.38M | $277.28M | $5.50M | $40.31M |
| Jun 2024 | $353.37M | $306.74M | $5.94M | $45.56M |
| Jun 2025 | $414.09M | $358.02M | $7.97M | $54.93M |
| Jun 2026 | $420.06M | $359.40M | $9.48M | $59.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $359.40M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $359.40M.
Similar-sized banks
The Citizens Bank Of Swainsboro ($420.47M) · Bank Of Star Valley ($420.02M)
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.
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