FDIC Cert #11358 · Somerset, Kentucky · Est. 1909

Cumberland Security Bank, Inc. - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$427M
Total assets
A
Health grade · Excellent
3.98%
Return on assets
15.9%
Tier 1 capital

Data updated July 2026

The verdict

Cumberland Security Bank, Inc. earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.92% Tier 1, profitable at 3.98% ROA, efficient (33% cost ratio).

#1,998
largest of 4,313 FDIC banks by assets
54th
percentile by asset size, nationally
15.92%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 11358 · KY A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #74/4307
  • PHOTO-FINISH First Citizens State… · WI
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-STRONG 3.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: First Citizens State Bank, WI (±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 Cumberland Security Bank, Inc.

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

Cumberland Security… · KY · …100/100First Citizens State… · WI ·…100/100Global One Bank · TX · near100/100Morgan Stanley Bank,… · UT ·…100/100The Fidelity Bank · NC · near100/100Vermilion Valley Bank · IL ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cumberland Security Bank, Inc. · July 2026

What Cumberland Security Bank, Inc.'s Call Report plate shows

Cumberland Security Bank, Inc. (FDIC Cert #11358) carries a PlainBankData health grade of A at 100/100, 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 #74 of 4,307. Tier 1 capital prints at 15.92%, clearing the 10% well-capitalized line. The Texas Ratio is 0.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.98%. Balance-sheet scale is $427M, 1,998th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Citizens State Bank (WI), 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 Cumberland Security Bank, Inc.

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

Cumberland Security Bank, 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; Cumberland Security Bank, 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 Cumberland Security Bank, Inc.'s 100/100 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 avg77/100100/100
Cumberland Security Bank, Inc.'s composite health score
Tier 1 Capital Ratio (15.92%) 40/40
Return on Assets (ROA) (3.98%) 25/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (33.10%) 15/15

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

Balance sheet at a glance

Total Assets

$427M

Total balance-sheet footings

Total Deposits

$372M

Customer-funded liabilities

Net Loans

$340M

Outstanding loan book

Net Income

$16M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.52% 15.92% 17.32%
Basel III capital ratios - Cumberland Security Bank, Inc.

Where Cumberland Security Bank, Inc. ranks

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

Cumberland Security Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 2% higher than 98% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Cumberland Security Bank, Inc. 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

Cumberland Security Bank, 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). Cumberland Security Bank, Inc.'s $427M falls in the highlighted band.

Safety ratios for Cumberland Security Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

15.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.92%
Texas Ratio
0.80%
Equity Capital
$55M

What these ratios mean →

Earnings posture at Cumberland Security Bank, Inc.

Return on Assets (ROA)
99th percentile nationally
3.98%
Return on Equity (ROE)
29.79%
Efficiency Ratio
33.10%

What these mean →

Income & expense at Cumberland Security Bank, Inc.

$27M
Interest Income
$3M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cumberland Security Bank, Inc. reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cumberland Security Bank, 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 ($427M here), outside Kentucky so the neighborhood is not state containment.

Bank of Mauston $427M · WI Nave Bank $427M · PR Edison National Bank $427M · FL The Bippus State Bank $428M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cumberland Security Bank, Inc. (FDIC Cert #11358) - 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.

Cumberland Security Bank, 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%