B
Cumberland Federal Bank, Federal Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
17.26
Leverage
Ratio
9.86
Return On
Assets
1.18%
Total
Assets
309.44M
Capital
28.13M
Total
Deposits
254.52M
Net
Income
1.80M
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Weiss Ratings Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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Rating B
Asset Quality Index 7.40
Capitalization Index 8.30
Liquidity Index 3.50
Profitability Index 5.30
Stability Index 5.60
Company Info Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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FDIC Number 29293
Phone Number (715) 822-2249
Website www.cumberlandfederal.com
Asset Quality Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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1-Year Asset Growth 14.63%
5-Year Asset Growth 14.97%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.43%
Non-Performing Loans to Loans 0.48%
Balance Sheet Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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Total Assets 309.44M
Total Deposits 254.52M
Capital and Reserves Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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Capital 28.13M
Leverage Ratio 9.86
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 17.26
Liquidity Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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Hot Money Ratio 16.29%
Liquidity Ratio 39.83%
Profitability Cumberland Federal Bank, Federal Savings Bank
Cumberland, WI 		Click to
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5-Year Return on Average Assets 0.99%
Net Income 1.80M
Net Interest Spread 2.90%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 46.62%
Return on Assets 1.18%
Return on Equity 13.47%