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Citizens Bank of Cumberland County, Inc.

under $100M Specialty: Other KY FDIC cert 35442

Designations: ✓ Community bank

Burkesville, 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
  • Deposits +1.2% year over year ($80.5M on the books).
  • Delinquency rate 0.52%.
  • Return on assets 2.06%.
  • Efficiency ratio 58.70% vs a 119.40% peer average.
  • Loan-to-deposit ratio 83.56% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

Citizens Bank of Cumberland County, Inc. demonstrates 4 strengths

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

  • + Return on Assets 1.06% above tier average
  • + Net Interest Margin 1.10% above tier average
  • + Efficiency Ratio 60.69% below tier average
  • + Delinquency Rate 0.96% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens Bank of Cumberland County, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $94.9M
+0.3% YoY +0.1% QoQ
+$32.4M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 6.9% in tier
Total Loans ? $67.2M
+4.1% YoY +1.7% QoQ
+$32.3M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 7.3% in tier
Total Deposits ? $80.5M
+1.2% YoY -1.3% QoQ
+$28.8M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 9.0% in tier
Return on Assets ? 2.06%
+8.7% YoY +8.4% QoQ
+1.06% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 9.9% in tier
Net Interest Margin ? 5.02%
+5.4% YoY +1.7% QoQ
+1.10% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 12.1% in tier
Efficiency Ratio ? 58.70%
-5.7% YoY -0.9% QoQ
-60.69% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.52%
+1.3% YoY +20.1% QoQ
-0.96% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 83.56%
+2.8% YoY +3.0% QoQ
+9.35% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 23.80%
-12.1% YoY +7.1% QoQ
+0.31% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 0.37%
+5.2% YoY +22.0% QoQ
-0.47% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 12.25%
+1.0% YoY +4.5% QoQ
-14.87% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.23%
-6.7% YoY +91.9% QoQ
-1.15% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
76%

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 23.8%
-3.3pp YoY
+1.6pp QoQ
 -0.8pp 24.6% 23.5% 22.2% 50%
Brokered Deposits n/a n/a 9.8% 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 3.9%
-1.7pp YoY
-0.3pp QoQ
 -9.5pp 13.4% 8.6% 12.5% 13%
CRE 23.8%
+1.1pp YoY
+1.2pp QoQ
 -1.4pp 25.2% 37.1% 41.4% 60%
1-4 Family 53.1%
+0.4pp YoY
-0.4pp QoQ
 +18.1pp 35.0% 41.6% 31.3% 74%
Consumer 12.9%
-0.7pp YoY
0.0pp QoQ
 +5.3pp 7.7% 4.8% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 20.2% 19.7% n/a
Leverage Ratio 12.3%
+0.1pp YoY
+0.5pp QoQ
 -5.4pp 17.7% 14.0% 12.6% 43%
Total Capital Ratio n/a n/a 39.7% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 22
+1 (+4.8%) YoY
+3 (+15.8%) QoQ
 +10 12 105 482 92%
Assets per Employee ($) $4.3M
-4.3% YoY
-13.6% QoQ
 -$1.9M $6.2M $6.3M $8.8M 25%
Branch Count 1
0 YoY
0 QoQ
 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
+0.1pp QoQ
 -1.2pp 1.7% 0.8% 1.0% 41%
Allowance Coverage 2.00x
-13.0% YoY
-25.2% QoQ
 -4.41x 6.41x 7.45x 20.23x 61%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 +0.1pp 0.2% 0.1% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 17.5%
+0.8pp YoY
+1.1pp QoQ
 +11.1pp 6.4% 13.3% 11.6% 90%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.4% 1.7% 1.7% 60%
Net Income ($, YTD) $982,000
+10.5% YoY
— QoQ
 +$664K $317,817 $5.1M $40.4M 95%

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 (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (7 metrics)

38
Total Assets
size
Value: $94.88M
Peer Median: $62.44M
#38 of 536 Top 6.9% in under $100M
40
Total Loans
size
Value: $67.23M
Peer Median: $34.89M
#40 of 536 Top 7.3% in under $100M
49
Total Deposits
size
Value: $80.46M
Peer Median: $51.62M
#49 of 536 Top 9.0% in under $100M
54
Return on Assets
profitability
Value: 2.06%
Peer Median: 1.00%
#54 of 536 Top 9.9% in under $100M
66
Net Interest Margin
profitability
Value: 5.02%
Peer Median: 3.91%
#66 of 536 Top 12.1% in under $100M
131
Non-Interest Income / Assets
revenue_mix
Value: 0.23%
Peer Median: 1.38%
#131 of 536 Top 24.3% in under $100M
135
Efficiency Ratio
profitability
Value: 58.70%
Peer Median: 119.40%
#135 of 536 Top 25.0% in under $100M

Top Weaknesses (1 metrics)

409
Loan-to-Deposit Ratio
liquidity
Value: 83.56%
Peer Median: 74.21%
#409 of 536 Bottom 23.9% in under $100M
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