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Cumberland Valley National Bank & Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 2691

London, KY

14 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +2.3% year over year ($737.2M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.15%.
  • Efficiency ratio 65.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Cumberland Valley National Bank & Trust Company has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.3% in tier
  • - ROA 0.17% below tier average
  • - Efficiency Ratio 1.26% above tier average
Get updates when Cumberland Valley National Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $816.1M
+2.8% YoY -2.1% QoQ
+$429.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 7.2% in tier
Total Loans ? $551.6M
-0.3% YoY -0.6% QoQ
+$293.3M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 7.9% in tier
Total Deposits ? $737.2M
+2.3% YoY -2.3% QoQ
+$410.5M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 4.7% in tier
Return on Assets ? 1.15%
+22.5% YoY +17.3% QoQ
-0.17% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 3.96%
+8.7% YoY +4.6% QoQ
-0.03% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 65.74%
-5.6% YoY -4.1% QoQ
+1.26% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.22%
-65.2% YoY -25.7% QoQ
-0.70% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 74.83%
-2.5% YoY +1.7% QoQ
-3.12% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 24.54%
-3.5% YoY -4.9% QoQ
+2.51% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 0.15%
-66.3% YoY -24.6% QoQ
-0.52% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 9.49%
-24.3% YoY +0.5% QoQ
-6.41% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 4.7% in tier
Non-Interest Income / Assets ? 0.39%
-10.0% YoY +110.3% QoQ
-0.18% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 24.5%
-0.9pp YoY
-1.3pp QoQ
 +2.4pp 22.1% 23.5% 22.2% 64%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 9.7%
-2.8pp YoY
-0.4pp QoQ
 -1.9pp 11.6% 8.6% 12.5% 50%
CRE 54.3%
+0.8pp YoY
+0.2pp QoQ
 +14.8pp 39.5% 37.1% 41.4% 77%
1-4 Family 29.8%
+2.7pp YoY
-0.2pp QoQ
 -2.8pp 32.6% 41.6% 31.3% 51%
Consumer 3.5%
-0.8pp YoY
-0.1pp QoQ
 -0.6pp 4.1% 4.8% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.5%
+0.2pp YoY
+0.1pp QoQ
 -2.7pp 12.2% 14.0% 12.6% 21%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 137
+5 (+3.8%) YoY
0 QoQ
 +78 58 105 482 96%
Assets per Employee ($) $6.0M
-1.0% YoY
-2.1% QoQ
 -$1.6M $7.5M $6.3M $8.8M 33%
Branch Count 14
-1 (-6.7%) YoY
0 QoQ
 +9 4 8 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.3% 0.4% 5%
Nonaccrual 0.2%
-0.4pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 6.25x
+210.8% YoY
+40.4% QoQ
 -17.91x 24.15x 7.45x 20.23x 74%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 12.7%
+1.9pp YoY
+1.8pp QoQ
 +0.5pp 12.2% 13.3% 11.6% 54%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 48%
Net Income ($, YTD) $4.7M
+27.2% YoY
— QoQ
 +$2.2M $2.6M $5.1M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#122 of 661 • Bottom 18.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.49%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

126
Total Deposits
size
Value: $737.19M
Peer Median: $326.73M
#126 of 2643 Top 4.7% in $100M-$1B
192
Total Assets
size
Value: $816.05M
Peer Median: $386.57M
#192 of 2643 Top 7.2% in $100M-$1B
210
Total Loans
size
Value: $551.64M
Peer Median: $258.35M
#210 of 2643 Top 7.9% in $100M-$1B
422
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#422 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (1 metrics)

2519
Tier 1 Capital Ratio
capital
Value: 9.49%
Peer Median: 15.91%
#2519 of 2643 Bottom 4.7% in $100M-$1B
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