B
Citizens Bank of Cumberland County, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.44
Return On
Assets
1.95%
Total
Assets
96.14M
Capital
11.70M
Total
Deposits
80.45M
Net
Income
1.38M
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Weiss Ratings Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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Rating B
Asset Quality Index 7.40
Capitalization Index 10.00
Liquidity Index 2.10
Profitability Index 8.50
Stability Index 5.70
Company Info Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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FDIC Number 35442
Phone Number (270) 864-2323
Website www.cbcconline.com
Asset Quality Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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1-Year Asset Growth 5.83%
5-Year Asset Growth 4.38%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 2.55%
Non-Performing Loans to Loans 0.87%
Balance Sheet Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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Total Assets 96.14M
Total Deposits 80.45M
Capital and Reserves Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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Capital 11.70M
Leverage Ratio 12.44
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio --
Liquidity Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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Hot Money Ratio 26.73%
Liquidity Ratio 25.78%
Profitability Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
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5-Year Return on Average Assets 1.80%
Net Income 1.38M
Net Interest Spread 4.83%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 61.71%
Return on Assets 1.95%
Return on Equity 16.82%