Side-by-side · Q2 2026 data
Morgantown Bank & Trust Company, Incorporated vs Cumberland Security Bank, Inc.
Bank
Morgantown Bank & Trust Company, Incorporated
Morgantown, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Morgantown Bank & Trust Company, Incorporated | Cumberland Security Bank, Inc. |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 32 | 91 (stronger) |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 38 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 24th | 91st |
| Total assets | $439.7M | $420.1M |
| Deposits / shares | $385.7M | $359.4M |
| Capital ratio | 8.17% | 14.14% (stronger) |
| Problem loans | 0.24% | 0.16% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.82% | 4.50% (stronger) |
| Loans ÷ deposits | 91.3% (stronger) | 93.7% |
| Uninsured deposits | 10.9% (stronger) | 40.5% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Cumberland Security Bank, Inc. has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Morgantown Bank & Trust Company, Incorporated leads on 2 and Cumberland Security Bank, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.