| Weiss Ratings |
Cumberland Security Bank, Inc.
Somerset, KY |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.70 | |||
| Profitability Index | 10.00 | |||
| Stability Index | 4.30 | |||
| Company Info |
Cumberland Security Bank, Inc.
Somerset, KY |
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| FDIC Number | 11358 | |||
| Phone Number | (606) 679-9361 | |||
| Website | www.csbweb.com | |||
| Asset Quality |
Cumberland Security Bank, Inc.
Somerset, KY |
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| 1-Year Asset Growth | 1.44% | |||
| 5-Year Asset Growth | 13.20% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.13% | |||
| Non-Performing Loans to Capital | 0.82% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
Cumberland Security Bank, Inc.
Somerset, KY |
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| Total Assets | 420.06M | |||
| Total Deposits | 359.40M | |||
| Capital and Reserves |
Cumberland Security Bank, Inc.
Somerset, KY |
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| Capital | 59.31M | |||
| Leverage Ratio | 14.14 | |||
| Loan Loss Reserves to Loans | 2.73% | |||
| Risk-Based Capital Ratio | 18.92 | |||
| Liquidity |
Cumberland Security Bank, Inc.
Somerset, KY |
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| Hot Money Ratio | 16.29% | |||
| Liquidity Ratio | 19.43% | |||
| Profitability |
Cumberland Security Bank, Inc.
Somerset, KY |
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| 5-Year Return on Average Assets | 3.36% | |||
| Net Income | 9.49M | |||
| Net Interest Spread | 6.12% | |||
| Operating Profit to Average Assets | 4.45% | |||
| Overhead Efficiency Ratio | 32.11% | |||
| Return on Assets | 4.45% | |||
| Return on Equity | 33.18% | |||