FDIC Cert #35442 · Burkesville, Kentucky · Est. 2000

Citizens Bank of Cumberland County, Inc. - FDIC Bank Health Profile

A community-scale look at Citizens Bank of Cumberland County, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$96M
Total assets
A
Health grade · Excellent
2.08%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank of Cumberland County, Inc. earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.56% Tier 1, profitable at 2.08% ROA, efficient (60% cost ratio).

#3,766
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
11.56%
Tier 1 ratio - above the 10% well-capitalized line
92nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35442 · KY A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1392/4307
  • PHOTO-FINISH MassMutual Private W… · CT
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-STRONG 2.08% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: MassMutual Private Wealth & Trust, FSB, CT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank of Cumberland County, I…

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Cum… · KY ·…85/100Country Trust Bank · IL · ne…85/100Davidson Trust Co. · MT · ne…85/100MassMutual Private W… · CT ·…85/100Thrivent Trust Company · WI …85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank of Cumberland County, I… · July 2026

What Citizens Bank of Cumberland County, I…'s Call Report plate shows

Citizens Bank of Cumberland County, Inc. (FDIC Cert #35442) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,392 of 4,307. Tier 1 capital prints at 11.56%, clearing the 10% well-capitalized line. The Texas Ratio is 2.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.08%. Balance-sheet scale is $96M, 3,766th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is MassMutual Private Wealth & Trust, FSB (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank of Cumberland County, I…

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Citizens Bank of Cumberland County, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank of Cumberland County, Inc. remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Citizens Bank of Cumberland County, Inc.'s 85/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10085/100
Citizens Bank of Cumberland County, Inc.'s composite health score
Tier 1 Capital Ratio (11.56%) 28/40
Return on Assets (ROA) (2.08%) 25/25
Texas Ratio (2.61%) 20/20
Efficiency Ratio (59.63%) 12/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$96M

Total balance-sheet footings

Total Deposits

$83M

Customer-funded liabilities

Net Loans

$66M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.16% 11.56% 12.96%
Basel III capital ratios - Citizens Bank of Cumberland County, Inc.

Where Citizens Bank of Cumberland County, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of Cumberland County, Inc.'s score of 85/100 falls in the highlighted band.

Citizens Bank of Cumberland County, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 32% higher than 68% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank of Cumberland County, I… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank of Cumberland County, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of Cumberland County, Inc.'s $96M falls in the highlighted band.

Safety ratios for Citizens Bank of Cumberland County, I…

Tier 1 capital ratio
Well-capitalized 10%

11.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.56%
Texas Ratio
2.61%
Equity Capital
$11M

What these ratios mean →

Earnings posture at Citizens Bank of Cumberland County, I…

Return on Assets (ROA)
92nd percentile nationally
2.08%
Return on Equity (ROE)
17.97%
Efficiency Ratio
59.63%

What these mean →

Income & expense at Citizens Bank of Cumberland County, I…

$6M
Interest Income
$471K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of Cumberland County, Inc. reports a Texas Ratio of 2.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank of Cumberland County, Inc. on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($96M here), outside Kentucky so the neighborhood is not state containment.

The First National Bank of Lacon $96M · IL The First National Bank of Anson $96M · TX Flat Branch Bank $96M · MO The Old Exchange National Bank of Oka… $96M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of Cumberland County, Inc. (FDIC Cert #35442) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank of Cumberland County, Inc. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%