B
Citizens Bank of Cumberland County, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.56
Return On
Assets
2.08%
Total
Assets
96.05M
Capital
11.04M
Total
Deposits
82.73M
Net
Income
1.97M
My Lists My Alerts
Weiss Ratings Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 7.00
Capitalization Index 10.00
Liquidity Index 2.10
Profitability Index 8.80
Stability Index 5.70
Company Info Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 35442
Phone Number (270) 864-2323
Website www.cbcconline.com
Asset Quality Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 3.69%
5-Year Asset Growth 4.03%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 3.61%
Non-Performing Loans to Loans 0.83%
Balance Sheet Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 96.05M
Total Deposits 82.73M
Capital and Reserves Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 11.04M
Leverage Ratio 11.56
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio --
Liquidity Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 26.39%
Liquidity Ratio 24.54%
Profitability Citizens Bank of Cumberland County, Inc.
Burkesville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.80%
Net Income 1.97M
Net Interest Spread 4.87%
Operating Profit to Average Assets 2.08%
Overhead Efficiency Ratio 59.63%
Return on Assets 2.08%
Return on Equity 17.87%