Side-by-side · Q2 2026 data
Cumberland Valley National Bank & Trust Company vs FNB Bank, Inc.
Bank
Cumberland Valley National Bank & Trust Company
London, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Cumberland Valley National Bank & Trust Company | FNB Bank, Inc. |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 45 (stronger) | 35 |
| Loan quality | 93 (stronger) | 77 |
| Earnings | 66 | 69 (stronger) |
| Funding & liquidity | 64 | 86 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 40th | 29th |
| Total assets | $816.1M | $770.0M |
| Deposits / shares | $737.2M | $706.4M |
| Capital ratio | 9.49% (stronger) | 8.48% |
| Problem loans | 0.22% (stronger) | 0.68% |
| Net charge-offs | -0.08% (stronger) | 0.02% |
| Return on assets | 1.15% | 1.23% (stronger) |
| Loans ÷ deposits | 74.8% | 72.0% (stronger) |
| Uninsured deposits | 34.1% | 17.2% (stronger) |
| Offices | 13 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
Cumberland Valley National Bank & Trust Company has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Valley National Bank & Trust Company leads on 4 and FNB Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.