TellerScore

Headquartered in London, Kentucky, Cumberland Valley National Bank & Trust Company is a national bank with $816.1M in total assets and $737.2M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1904.

Based on its Q2 2026 filing, Cumberland Valley National Bank & Trust Company scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 75th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (45/100; 9.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.49%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 74.8% · 34.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.49%

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 6 points (63 → 69), mostly because the loan quality component improved by 14 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202462
Q1 202564
Q2 202563
Q3 202567
Q4 202566
Q1 202667
Q2 202669
Tier 1 leverage ratio
5.00%7.45%9.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.85%
Q3 20249.91%
Q4 20249.63%
Q1 20259.56%
Q2 20259.29%
Q3 20259.48%
Q4 20259.53%
Q1 20269.44%
Q2 20269.49%
Noncurrent loans
0.22%0.48%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20240.66%
Q4 20240.61%
Q1 20250.60%
Q2 20250.63%
Q3 20250.26%
Q4 20250.45%
Q1 20260.30%
Q2 20260.22%
Return on assets
0.65%0.90%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.66%
Q4 20240.69%
Q1 20250.91%
Q2 20250.94%
Q3 20250.94%
Q4 20250.99%
Q1 20260.98%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$816.1M9.49%0.22%1.15%74.8%
Q1 202667$833.1M9.44%0.30%0.98%73.6%
Q4 202566$814.9M9.53%0.45%0.99%75.4%
Q3 202567$796.2M9.48%0.26%0.94%77.3%
Q2 202563$793.9M9.29%0.63%0.94%76.8%
Q1 202564$791.4M9.56%0.60%0.91%74.7%
Q4 202462$787.1M9.63%0.61%0.69%73.6%
Q3 202462$743.3M9.91%0.66%0.66%78.6%
Q2 202462$735.8M9.85%0.74%0.65%75.4%

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).

Capital ratio9.49%
21st
Total risk-based capital0.00%
24th
Problem loans0.22%
64th
Net charge-offs-0.08%
97th
Return on assets1.15%
44th
Net interest margin3.96%
51st
Efficiency ratio65.7%
40th
Loans to deposits74.8%
61st
Uninsured deposits34.1%
19th
Loan-loss reserves1.37%
70th
Texas ratio1.5%
64th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Wilson & Muir Bank & Trust CompanyBank Bardstown, KY76 out of 100, Strong$818.4M9.4%0.27%vs
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
FNB Bank, Inc.Bank Mayfield, KY65 out of 100, Moderate$770.0M8.5%0.68%vs
First & Farmers National Bank, Inc.Bank Somerset, KY75 out of 100, Strong$714.2M11.5%0.77%vs
American Bank & Trust Company, Inc.Bank Bowling Green, KY59 out of 100, Moderate$924.4M9.9%1.22%vs

Deposit insurance

Is my money safe at Cumberland Valley National Bank & Trust Company?

Yes. Cumberland Valley National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #2691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($251.3M) 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 9.49%, 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%).

Check how much of your own balance is covered

14 locations

Branches

Cumberland Valley National Bank & Trust Company lists 13 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cumberland Valley National Bank & Trust Company reported 119 home-loan applications under HMDA (LEI 549300OULGV8ZW0JV320): 105 originated ($56,465,000 total), 13 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cumberland Valley National Bank & Trust Company
Former names
The First National Bank of East Bernstadt; Second National Bank of London
Type
National bank
FDIC certificate #
2691
RSSD ID
647218
Primary regulator
OCC
Holding company
Cumberland Valley Finl Corp
Established
January 1, 1904
Headquarters
100 S Main St, London, KY 40741
Employees
137

Quick answers

Cumberland Valley National Bank & Trust Company: common questions

Is Cumberland Valley National Bank & Trust Company FDIC insured?

Yes. Cumberland Valley National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #2691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cumberland Valley National Bank & Trust Company's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cumberland Valley National Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #2691 in the FDIC failed bank list.

How many branches does Cumberland Valley National Bank & Trust Company have?

14 offices as of the latest FDIC data.

Nearby

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