Side-by-side · Q2 2026 data
Security Bank and Trust Co. vs Citizens Bank of Cumberland County, Inc.
Bank
Citizens Bank of Cumberland County, Inc.
Burkesville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Security Bank and Trust Co. | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 38 | 83 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 95 (stronger) | 77 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 73rd | 76th |
| Total assets | $71.8M | $94.9M |
| Deposits / shares | $60.3M | $80.5M |
| Capital ratio | 15.74% (stronger) | 12.25% |
| Problem loans | 1.86% | 0.51% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 2.00% | 2.06% (stronger) |
| Loans ÷ deposits | 44.5% (stronger) | 83.6% |
| Uninsured deposits | 19.7% | 12.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Cumberland County, Inc. has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Co. leads on 3 and Citizens Bank of Cumberland County, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.