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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #28675 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.0% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.21% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
60
Sub-score

Liquidity is stable: brokered 40.0%, loans/deposits 62.8%, cash 1.2% of assets.

Cash / Assets
1.21%
Loans / Deposits
62.81%
Brokered %
40.01%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.0% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.21% 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 16.47%, CET1 16.47%, leverage 9.68%.

Tier 1 RBC
16.47%
CET1
16.47%
Leverage
9.68%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 1.9%, NCO YTD 0.00%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.00%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 262.4%, true coverage 260.0%.

ALLL / Loans
0.99%
Coverage
262.4%
True Loss Coverage
260.0%
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