Cumberland Federal Bank, FSB
Cumberland, WI
IDRSSD: 28675
Total Assets
$324.88M
Latest filing
Total Deposits
$275.10M
Latest filing
Net Interest Margin
3.01%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cumberland Federal Bank, FSB
1390 2nd Ave
Cumberland, WI 54829
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1934FDIC Certificate 42127
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cumberland Federal Bank, FSB (Main) | 1390 2nd Ave | Cumberland, WI |
| CUMBERLAND FEDERAL BANK - LADYSMITH BRANCH | 312 W 9th St N | Ladysmith, WI |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 54829 |
| State and County Number | 55005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.cumberlandfederal.com |
| Data Updated | 11/14/2025 |
| CERT | 29293 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $324.88M |
| Total Deposits | $275.10M |
| Total Liabilities | $294.90M |
| Total Equity Capital | $29.98M |
| Net Income | $1.05M |
| Net Loans and Leases | $165.79M |
| Assets Per Employee ($Millions) | $14.77M |
| Bank Premises and Fixed Assets | $1.59M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $275.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.33% |
| Return on Equity (ROE) | 14.47% |
| Net Interest Margin | 3.01% |
| Efficiency Ratio | 41.1% |
| Tier 1 Risk-Based Capital Ratio | 16.737% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.227% |
| Earning Assets to total Assets | 97.33% |
Income and Expense
| Total Interest Income | $4.68M |
| Total Noninterest Income | $142.00k |
| Total Interest Expense | $2.36M |
| Total Noninterest Expense | $1.01M |
| Net Interest Income | $2.32M |
| Pre-tax Net Operating Income | $1.27M |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $810.00k |
| Total Liabilities and Capital | $324.88M |
Securities
| Securities | $145.25M |
| Available-for-sale debt securities | $145.12M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cumberland Federal Bank, FSB?
$324.88M as of the latest filing.
How much are Cumberland Federal Bank, FSB's total deposits?
$275.10M in total deposits.
Where is Cumberland Federal Bank, FSB located?
Cumberland, WI.
What is the Net Interest Margin?
3.01%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.33%.
How much are total loans and leases?
$165.79M (latest filing).
What is the total interest income (latest filing)?
$4.68M.