Cumberland Valley National Bank & Trust Company

East Bernstadt, KY

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.20
Capitalization Index	7.80
Liquidity Index	2.10
Profitability Index	4.80
Stability Index	6.20

Company Info	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.53%
5-Year Asset Growth	5.79%
5-Year Charge-Offs to Average Loans	0.04%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	0.45%
Non-Performing Loans to Capital	3.61%
Non-Performing Loans to Loans	0.65%

Balance Sheet	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	814.89M
Total Deposits	737.01M

Capital and Reserves	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
Capital	74.53M
Leverage Ratio	9.53
Loan Loss Reserves to Loans	1.30%
Risk-Based Capital Ratio	--

Liquidity	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	29.64%
Liquidity Ratio	17.38%

Profitability	Cumberland Valley National Bank & Trust Company East Bernstadt, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.71%
Net Income	7.92M
Net Interest Spread	3.67%
Operating Profit to Average Assets	1.28%
Overhead Efficiency Ratio	69.02%
Return on Assets	0.98%
Return on Equity	11.19%