Citizens Bank of Cumberland County, Inc. is a state-chartered bank headquartered in Burkesville, Kentucky, in business for about 26 years. At the end of Q2 2026 it reported $94.9M in total assets and $80.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Citizens Bank of Cumberland County, Inc. scores 84/100, which we describe as strong. That is higher than 76% of 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 14th. Its strongest component is earnings (100/100; 2.06%), and its lowest is capital cushion (73/100; 12.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 83 |
| Q1 2025 | 80 |
| Q2 2025 | 83 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 82 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.26% |
| Q3 2024 | 12.85% |
| Q4 2024 | 11.81% |
| Q1 2025 | 11.77% |
| Q2 2025 | 12.13% |
| Q3 2025 | 12.44% |
| Q4 2025 | 11.56% |
| Q1 2026 | 11.73% |
| Q2 2026 | 12.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.01% |
| Q3 2024 | 2.05% |
| Q4 2024 | 2.16% |
| Q1 2025 | 1.80% |
| Q2 2025 | 1.90% |
| Q3 2025 | 1.94% |
| Q4 2025 | 2.08% |
| Q1 2026 | 1.90% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $94.9M | 12.25% | 0.51% | 2.06% | 83.6% |
| Q1 2026 | 82 | $94.8M | 11.73% | 0.43% | 1.90% | 81.2% |
| Q4 2025 | 83 | $96.1M | 11.56% | 0.46% | 2.08% | 79.2% |
| Q3 2025 | 84 | $96.1M | 12.44% | 0.49% | 1.94% | 80.4% |
| Q2 2025 | 83 | $94.6M | 12.13% | 0.50% | 1.90% | 81.3% |
| Q1 2025 | 80 | $93.9M | 11.77% | 0.56% | 1.80% | 81.9% |
| Q4 2024 | 83 | $92.6M | 11.81% | 0.46% | 2.16% | 80.2% |
| Q3 2024 | 81 | $90.8M | 12.85% | 0.96% | 2.05% | 82.5% |
| Q2 2024 | 80 | $92.9M | 12.26% | 0.99% | 2.01% | 79.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| The First National Bank of BrooksvilleBank Brooksville, KY | 68 out of 100, Moderate | $73.7M | 11.5% | 1.15% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Clinton BankBank Clinton, KY | 69 out of 100, Moderate | $70.4M | 16.8% | 1.77% | vs |
| Farmers State BankBank Booneville, KY | 69 out of 100, Moderate | $69.3M | 10.7% | 1.07% | vs |
| Farmers & Traders Bank of CamptonBank Campton, KY | 74 out of 100, Strong | $67.2M | 9.2% | 0.05% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Cumberland County, Inc.?
Yes. Citizens Bank of Cumberland County, Inc. is an FDIC-insured institution (FDIC certificate #35442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.0% of deposits ($9.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Citizens Bank of Cumberland County, Inc. lists 1 office in 1 city. Most locations:
- Burkesville, KY (1)
Identity & history
Profile
- Legal name
- Citizens Bank of Cumberland County, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 35442
- RSSD ID
- 2921622
- Primary regulator
- FDIC
- Holding company
- Citizens Cumberland Bancshares
- Established
- July 1, 2000
- Headquarters
- 209 Keen St, Burkesville, KY 42717
- Website
- www.cbcconline.com
- Employees
- 22
Quick answers
Citizens Bank of Cumberland County, Inc.: common questions
Is Citizens Bank of Cumberland County, Inc. FDIC insured?
Yes. Citizens Bank of Cumberland County, Inc. is an FDIC-insured institution (FDIC certificate #35442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Cumberland County, Inc.'s TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Cumberland County, Inc. ever failed?
There is no failure record for FDIC certificate #35442 in the FDIC failed bank list.
How many branches does Citizens Bank of Cumberland County, Inc. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Burkesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of JamestownBank Jamestown, KY | 84 out of 100, Strong | $263.8M | 13.0% | 0.02% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |