Cumberland Security Bank, Inc. is a state-chartered bank headquartered in Somerset, Kentucky, in business for about 117 years. At the end of Q2 2026 it reported $420.1M in total assets and $359.4M in deposits, with 4 offices.
Based on its Q2 2026 filing, Cumberland Security Bank, Inc. scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 7th. Its strongest component is earnings (100/100; 4.50%), and its lowest is funding & liquidity (38/100; 94% loans-to-deposits, 40% uninsured).
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 (87 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 87 |
| Q4 2024 | 85 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.60% |
| Q3 2024 | 13.84% |
| Q4 2024 | 13.42% |
| Q1 2025 | 13.78% |
| Q2 2025 | 14.01% |
| Q3 2025 | 14.80% |
| Q4 2025 | 13.67% |
| Q1 2026 | 13.32% |
| Q2 2026 | 14.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.47% |
| Q3 2024 | 3.55% |
| Q4 2024 | 3.51% |
| Q1 2025 | 3.76% |
| Q2 2025 | 4.14% |
| Q3 2025 | 4.20% |
| Q4 2025 | 3.98% |
| Q1 2026 | 3.89% |
| Q2 2026 | 4.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $420.1M | 14.14% | 0.16% | 4.50% | 93.7% |
| Q1 2026 | 83 | $416.6M | 13.32% | 0.17% | 3.89% | 95.8% |
| Q4 2025 | 85 | $427.4M | 13.67% | 0.15% | 3.98% | 91.5% |
| Q3 2025 | 88 | $419.5M | 14.80% | 0.16% | 4.20% | 92.5% |
| Q2 2025 | 87 | $414.1M | 14.01% | 0.02% | 4.14% | 90.7% |
| Q1 2025 | 86 | $372.5M | 13.78% | 0.05% | 3.76% | 97.1% |
| Q4 2024 | 85 | $368.3M | 13.42% | 0.05% | 3.51% | 92.4% |
| Q3 2024 | 87 | $365.4M | 13.84% | 0.06% | 3.55% | 90.1% |
| Q2 2024 | 87 | $353.4M | 13.60% | 0.07% | 3.47% | 90.6% |
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Lexington, Inc.Bank Lexington, KY | 74 out of 100, Strong | $410.8M | 11.5% | 0.01% | vs |
| Bank of the Bluegrass and Trust CompanyBank Lexington, KY | 75 out of 100, Strong | $407.0M | 10.8% | 0.03% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| First State BankBank Irvington, KY | 70 out of 100, Strong | $402.0M | 11.2% | 1.33% | vs |
| Morgantown Bank & Trust Company, IncorporatedBank Morgantown, KY | 63 out of 100, Moderate | $439.7M | 8.2% | 0.24% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
Deposit insurance
Is my money safe at Cumberland Security Bank, Inc.?
Yes. Cumberland Security Bank, Inc. is an FDIC-insured institution (FDIC certificate #11358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.5% of deposits ($145.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.92% (benchmark: 10%).
4 locations
Branches
Cumberland Security Bank, Inc. lists 4 offices in 2 cities. Most locations:
- Somerset, KY (3)
- Eubank, KY (1)
Identity & history
Profile
- Legal name
- Cumberland Security Bank, Inc.
- Former names
- The First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11358
- RSSD ID
- 202514
- Primary regulator
- FDIC
- Holding company
- First Commerce Bcorp Inc
- Established
- August 13, 1909
- Headquarters
- 107 S Main St, Somerset, KY 42501
- Website
- www.csbweb.com
- Employees
- 63
Quick answers
Cumberland Security Bank, Inc.: common questions
Is Cumberland Security Bank, Inc. FDIC insured?
Yes. Cumberland Security Bank, Inc. is an FDIC-insured institution (FDIC certificate #11358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cumberland Security Bank, Inc.'s TellerScore?
87 out of 100 (Very 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 Security Bank, Inc. ever failed?
There is no failure record for FDIC certificate #11358 in the FDIC failed bank list.
How many branches does Cumberland Security Bank, Inc. have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Somerset
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |