Total Assets
$815M
Total balance-sheet footings
FDIC Cert #2691 · London, Kentucky · Est. 1904
Cumberland Valley National Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Cumberland Valley National Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $815M
- Total assets
- C
- Health grade · Fair
- 0.99%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
Cumberland Valley National Bank & Trust Company earns a PlainBankData health grade of C (60/100), with 9.53% Tier 1 capital, 0.99% ROA, 69% efficiency ratio.
- #1,246
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 9.53%
- Tier 1 ratio - below the 10% well-capitalized line
- 42nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Cumberland Valley National Bank & Trust Company's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cumberland Valley National Bank & Trust Company's composite health score
Tier 1 Capital Ratio (9.53%) 18/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (3.08%) 20/20
Efficiency Ratio (69.02%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$737M
Customer-funded liabilities
Net Loans
$556M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cumberland Valley National Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cumberland Valley National Bank & Trust Company's score of 60/100 falls in the highlighted band.
Cumberland Valley National Bank & Trust Company'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 Valley National Bank & Trust Company's $815M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.53% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.53%
Texas Ratio
3.08%
Equity Capital
$75M
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
11.18%
Efficiency Ratio
69.02%
What the numbers say about Cumberland Valley National Bank & Trust Company
Cumberland Valley National Bank & Trust Company is an FDIC-insured institution (Certificate #2691) headquartered in London, Kentucky, established in 1904. It holds $815M in total assets - 1,246th of 4,313 FDIC-insured banks, $737M in customer deposits, and $556M in net loans. Its capital position: a Tier 1 ratio of 9.53%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.08% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Cumberland Valley National Bank & Trust Company sits 22nd of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$42M
Interest Income
$7M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cumberland Valley National Bank & Trust Company reports a Texas Ratio of 3.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cumberland Valley National Bank & Trust Company (FDIC Cert #2691) - 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.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Cumberland Valley National Bank & Trust Company's health grade?▼
Cumberland Valley National Bank & Trust Company receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Cumberland Valley National Bank & Trust Company?▼
Cumberland Valley National Bank & Trust Company holds $815M in total assets and $737M in deposits, ranking 1,246th of 4,313 FDIC-insured banks by asset size. It is headquartered in London, Kentucky.
Is my money safe at Cumberland Valley National Bank & Trust Company?▼
Yes, deposits at Cumberland Valley National Bank & Trust Company (Certificate #2691) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cumberland Valley National Bank & Trust Company's Tier 1 Capital Ratio?▼
Cumberland Valley National Bank & Trust Company has a Tier 1 Capital Ratio of 9.53%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Cumberland Valley National Bank & Trust Company?▼
Cumberland Valley National Bank & Trust Company has a Texas Ratio of 3.08%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cumberland Valley National Bank & Trust Company?▼
Cumberland Valley National Bank & Trust Company has an Efficiency Ratio of 69.02%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cumberland Valley National Bank & Trust Company's profile as a depositor or analyst.
- Cumberland Valley National Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cumberland Valley National Bank & Trust Company against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.