Cumberland Valley National Bank & Trust Company: how it compares with its peers
Against 38 KY banks with half to twice its assets, Cumberland Valley National Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (3.96% vs. a 3.89% peer median). Its weakest relative measure is efficiency ratio (65.74% vs. 57.71%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.26% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.89% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.74% | 57.71% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.2M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.83% | 84.88% | Context |
What it means for lending operations
Its efficiency ratio of 65.74% is above the 57.71% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
- Franklin Bank & Trust Company Franklin, KY · $804M
- Farmers Bank and Trust Company Marion, KY · $794M
- FNB Bank, Inc. Mayfield, KY · $770M
- First & Farmers National Bank, Inc. Somerset, KY · $714M
- American Bank & Trust Company, Inc. Bowling Green, KY · $924M
Questions about Cumberland Valley National Bank & Trust Company
How big is Cumberland Valley National Bank & Trust Company?
Cumberland Valley National Bank & Trust Company, established in 1904, is headquartered in London, KY. It reported $816M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Cumberland Valley National Bank & Trust Company's return on assets?
1.15% annualized in Q2 2026, against a 1.26% median for 38 KY banks with half to twice its assets, ahead of 39% of them.
What is Cumberland Valley National Bank & Trust Company's efficiency ratio?
65.74% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 57.71%, and lower is better.
Is Cumberland Valley National Bank & Trust Company growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 2.3%.
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.