C
Cumberland Valley National Bank & Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.49
Return On
Assets
1.14%
Total
Assets
816.05M
Capital
74.82M
Total
Deposits
737.19M
Net
Income
4.73M
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Weiss Ratings Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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Rating C
Asset Quality Index 7.00
Capitalization Index 7.70
Liquidity Index 2.20
Profitability Index 5.40
Stability Index 6.50
Company Info Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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FDIC Number 2691
Phone Number (606) 878-7010
Website www.cvnb.com
Asset Quality Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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1-Year Asset Growth 2.78%
5-Year Asset Growth 5.79%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.08%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 2.06%
Non-Performing Loans to Loans 0.42%
Balance Sheet Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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Total Assets 816.05M
Total Deposits 737.19M
Capital and Reserves Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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Capital 74.82M
Leverage Ratio 9.49
Loan Loss Reserves to Loans 1.37%
Risk-Based Capital Ratio --
Liquidity Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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Hot Money Ratio 28.25%
Liquidity Ratio 19.13%
Profitability Cumberland Valley National Bank & Trust Company
East Bernstadt, KY 		Click to
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5-Year Return on Average Assets 0.77%
Net Income 4.73M
Net Interest Spread 3.88%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 65.74%
Return on Assets 1.14%
Return on Equity 12.67%