Cumberland Federal Bank, FSB (FDIC certificate #29293) is based in Cumberland, Wisconsin. Its Q2 2026 call report shows $341.6M in total assets and $287.5M in deposits and 2 offices.
Cumberland Federal Bank, FSB has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 57th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 14% uninsured); capital cushion contributes the least (51/100, 10.06%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (73 → 78), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 76 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 73 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 10.02% |
| Q4 2024 | 9.75% |
| Q1 2025 | 9.81% |
| Q2 2025 | 9.86% |
| Q3 2025 | 9.67% |
| Q4 2025 | 9.68% |
| Q1 2026 | 9.97% |
| Q2 2026 | 10.06% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.19% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $341.6M | 10.06% | 0.19% | 1.39% | 60.9% |
| Q1 2026 | 78 | $328.6M | 9.97% | 0.11% | 1.34% | 64.6% |
| Q4 2025 | 73 | $328.8M | 9.68% | 0.38% | 1.14% | 62.8% |
| Q3 2025 | 74 | $324.9M | 9.67% | 0.39% | 1.25% | 60.3% |
| Q2 2025 | 73 | $309.4M | 9.86% | 0.47% | 1.21% | 62.9% |
| Q1 2025 | 72 | $293.9M | 9.81% | 0.52% | 1.15% | 61.2% |
| Q4 2024 | 69 | $291.0M | 9.75% | 0.63% | 0.83% | 61.3% |
| Q3 2024 | 76 | $281.6M | 10.02% | 0.04% | 0.89% | 56.5% |
| Q2 2024 | 73 | $269.9M | 10.55% | 0.49% | 0.85% | 52.5% |
2,650 peers · $100 million – $1 billion
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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of AlmaBank Alma, WI | 83 out of 100, Strong | $339.5M | 50.8% | 0.97% | vs |
| Citizens First BankBank Viroqua, WI | 75 out of 100, Strong | $344.5M | 10.3% | 0.44% | vs |
| First National Community BankBank New Richmond, WI | 71 out of 100, Strong | $345.3M | 9.4% | 0.16% | vs |
| Waumandee State BankBank Waumandee, WI | 67 out of 100, Moderate | $345.5M | 9.4% | 0.60% | vs |
| Clare Bank, National AssociationBank Platteville, WI | 72 out of 100, Strong | $332.5M | 11.6% | 0.85% | vs |
| Sterling BankBank Barron, WI | 77 out of 100, Strong | $352.4M | 9.4% | 0.02% | vs |
Deposit insurance
Is my money safe at Cumberland Federal Bank, FSB?
Yes. Cumberland Federal Bank, FSB is an FDIC-insured institution (FDIC certificate #29293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.4% of deposits ($41.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.19% (benchmark: 10%).
2 locations
Branches
Cumberland Federal Bank, FSB lists 2 offices in 2 cities. Most locations:
- Cumberland, WI (1)
- Ladysmith, WI (1)
Identity & history
Profile
- Legal name
- Cumberland Federal Bank, FSB
- Former names
- Cumberland Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29293
- RSSD ID
- 28675
- Primary regulator
- OCC
- Holding company
- Cfb Mutual Holding Co
- Established
- January 1, 1934
- Headquarters
- 1390 2nd Ave, Cumberland, WI 54829
- Website
- www.cumberlandfederal.com
- Employees
- 23
Quick answers
Cumberland Federal Bank, FSB: common questions
Is Cumberland Federal Bank, FSB FDIC insured?
Yes. Cumberland Federal Bank, FSB is an FDIC-insured institution (FDIC certificate #29293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cumberland Federal Bank, FSB's TellerScore?
78 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 Cumberland Federal Bank, FSB ever failed?
There is no failure record for FDIC certificate #29293 in the FDIC failed bank list.
How many branches does Cumberland Federal Bank, FSB have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cumberland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Shell Lake State BankBank Shell Lake, WI | 85 out of 100, Very strong | $361.8M | 12.3% | 0.03% | vs |
| Dairy State BankBank Rice Lake, WI | 80 out of 100, Strong | $730.3M | 12.0% | 0.06% | vs |
| Westconsin Credit UnionCredit union Menomonie, WI | 78 out of 100, Strong | $2.2B | 12.9% | 0.64% | vs |
| Sterling BankBank Barron, WI | 77 out of 100, Strong | $352.4M | 9.4% | 0.02% | vs |
| Citizens State Bank of La CrosseBank La Crosse, WI | 76 out of 100, Strong | $648.5M | 13.4% | 1.06% | vs |
| Johnson BankBank Racine, WI | 73 out of 100, Strong | $7.1B | 12.3% | 0.23% | vs |