Citizens Bank of Cumberland County, Inc.: how it compares with its peers
Against 29 KY banks with half to twice its assets, Citizens Bank of Cumberland County, Inc.'s strongest measure in Q2 2026 is return on assets (2.06% vs. a 1.09% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $5.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.06% | 1.09% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.02% | 4.17% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.70% | 67.26% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.2M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.56% | 77.44% | Context |
What it means for lending operations
Its efficiency ratio of 58.70% is better than the 67.26% 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 the Mountains, Inc. West Liberty, KY · $100M
- Owingsville Banking Company Owingsville, KY · $104M
- First Federal Savings and Loan Association Hazard, KY · $81M
- The First National Bank of Brooksville Brooksville, KY · $74M
- Security Bank and Trust Co. Maysville, KY · $72M
- Clinton Bank Clinton, KY · $70M
Questions about Citizens Bank of Cumberland County, Inc.
How big is Citizens Bank of Cumberland County, Inc.?
Citizens Bank of Cumberland County, Inc., established in 2000, is headquartered in Burkesville, KY. It reported $95M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens Bank of Cumberland County, Inc.'s return on assets?
2.06% annualized in Q2 2026, against a 1.09% median for 29 KY banks with half to twice its assets, ahead of 93% of them.
What is Citizens Bank of Cumberland County, Inc.'s efficiency ratio?
58.70% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 67.26%, and lower is better.
Is Citizens Bank of Cumberland County, Inc. growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 1.2%.
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.