Cumberland Security Bank, Inc.: how it compares with its peers
Against 60 KY banks with half to twice its assets, Cumberland Security Bank, Inc.'s strongest measure in Q2 2026 is return on assets (4.50% vs. a 1.29% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $5.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 4.50% | 1.29% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.33% | 3.93% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 32.11% | 58.92% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.9M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.74% | 83.73% | Context |
What it means for lending operations
Its efficiency ratio of 32.11% is better than the 58.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Lexington, Inc. Lexington, KY · $411M
- Bank of the Bluegrass and Trust Company Lexington, KY · $407M
- Town & Country Bank and Trust Company Bardstown, KY · $434M
- First State Bank Irvington, KY · $402M
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
- The Lincoln National Bank of Hodgenville Hodgenville, KY · $454M
Questions about Cumberland Security Bank, Inc.
How big is Cumberland Security Bank, Inc.?
Cumberland Security Bank, Inc., established in 1909, is headquartered in Somerset, KY. It reported $420M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Cumberland Security Bank, Inc.'s return on assets?
4.50% annualized in Q2 2026, against a 1.29% median for 60 KY banks with half to twice its assets, ahead of 100% of them.
What is Cumberland Security Bank, Inc.'s efficiency ratio?
32.11% in Q2 2026: it spent about 32 cents in noninterest expense for each dollar of revenue. The peer median is 58.92%, and lower is better.
Is Cumberland Security Bank, Inc. growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.