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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #28675 2025-Q1 Vital Signs Score: 87/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.85% of assets (threshold 3%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 41.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +7

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 41.7%, loans/deposits 61.2%, cash 0.8% of assets.

Cash / Assets
0.85%
Loans / Deposits
61.23%
Brokered %
41.73%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.7% of deposits (threshold 30%).
  • riskCash / Assets below 3% — Cash 0.85% 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 0
99
Sub-score

Capital position is strong: Tier 1 RBC 16.70%, CET1 16.70%, leverage 9.81%.

Tier 1 RBC
16.70%
CET1
16.70%
Leverage
9.81%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 2.6%, NCO YTD -0.01%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
-0.01%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +7
67
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 156.7%, true coverage 154.0%.

ALLL / Loans
0.81%
Coverage
156.7%
True Loss Coverage
154.0%
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