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Cumberland Federal Bank Fsb

IDRSSD: 28675
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #28675 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.7% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.50% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +8
61
Sub-score

Liquidity is stable: brokered 42.7%, loans/deposits 54.1%, cash 1.5% of assets.

Cash / Assets
1.50%
Loans / Deposits
54.06%
Brokered %
42.72%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.7% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.50% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 17.83%, CET1 17.83%, leverage 10.04%.

Tier 1 RBC
17.83%
CET1
17.83%
Leverage
10.04%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 2.2%, NCO YTD -0.01%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
-0.01%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
74
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 173.3%, true coverage 127.9%.

ALLL / Loans
0.90%
Coverage
173.3%
True Loss Coverage
127.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 07:03:35 UTC