Side-by-side · Q2 2026 data
Cumberland Valley National Bank & Trust Company vs Franklin Bank & Trust Company
Bank
Cumberland Valley National Bank & Trust Company
London, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Cumberland Valley National Bank & Trust Company | Franklin Bank & Trust Company |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 45 | 85 (stronger) |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 66 | 83 (stronger) |
| Funding & liquidity | 64 (stronger) | 53 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 40th | 61st |
| Total assets | $816.1M | $803.6M |
| Deposits / shares | $737.2M | $650.7M |
| Capital ratio | 9.49% | 13.48% (stronger) |
| Problem loans | 0.22% (stronger) | 1.08% |
| Net charge-offs | -0.08% (stronger) | 0.15% |
| Return on assets | 1.15% | 1.57% (stronger) |
| Loans ÷ deposits | 74.8% (stronger) | 105.0% |
| Uninsured deposits | 34.1% | 16.8% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 2.3% |
Franklin Bank & Trust Company has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Valley National Bank & Trust Company leads on 3 and Franklin Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.