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Cumberland Valley National Bank & Trust Company
London, KY · FDIC Certificate #2691 · Chartered 01/0
Total assets
$816.05M
Total deposits
$737.19M
Total equity
$74.82M
Net loans
$551.64M
Branches (offices)
14
Net income (YTD)
$4.73M
Rank: #1,234 of 4,213 U.S. banks by assets · #21 of 120 in Kentucky. Assets changed 2.8% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 12.67% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 9.17% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 34.1% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $474.86M | 86.1% | |
| Commercial & industrial | $53.29M | 9.7% | |
| Consumer / individual | $19.41M | 3.5% | |
| Construction & development | $56.15M | 10.2% | |
| Agricultural | $389.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $730.75M | $674.58M | $2.24M | $54.83M |
| Jun 2023 | $711.22M | $649.49M | $2.69M | $59.32M |
| Jun 2024 | $735.80M | $660.13M | $2.37M | $64.72M |
| Jun 2025 | $793.94M | $720.60M | $3.72M | $69.16M |
| Jun 2026 | $816.05M | $737.19M | $4.73M | $74.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $737.19M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $737.19M.
Similar-sized banks
Royal Bank ($816.09M) · Pb&T Bank ($815.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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