C
Cumberland Valley National Bank & Trust Company
London,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
13.69
Leverage
Ratio
9.48
Return On
Assets
0.93%
Total
Assets
796.20M
Capital
72.21M
Total
Deposits
720.15M
Net
Income
5.59M
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Weiss Ratings Cumberland Valley National Bank & Trust Company
London, KY 		Click to
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Rating C
Asset Quality Index 7.00
Capitalization Index 7.70
Liquidity Index 1.80
Profitability Index 4.70
Stability Index 6.20
Company Info Cumberland Valley National Bank & Trust Company
London, 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
London, KY 		Click to
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1-Year Asset Growth 7.12%
5-Year Asset Growth 10.37%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 1.77%
Non-Performing Loans to Loans 0.41%
Balance Sheet Cumberland Valley National Bank & Trust Company
London, KY 		Click to
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Total Assets 796.20M
Total Deposits 720.15M
Capital and Reserves Cumberland Valley National Bank & Trust Company
London, KY 		Click to
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Capital 72.21M
Leverage Ratio 9.48
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 13.69
Liquidity Cumberland Valley National Bank & Trust Company
London, KY 		Click to
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Hot Money Ratio 30.03%
Liquidity Ratio 15.80%
Profitability Cumberland Valley National Bank & Trust Company
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5-Year Return on Average Assets 0.71%
Net Income 5.59M
Net Interest Spread 3.64%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 70.00%
Return on Assets 0.93%
Return on Equity 10.66%