Cumberland Security Bank, Inc.
Somerset, KY
IDRSSD: 202514
Total Assets
$427.37M
Latest filing
Total Deposits
$371.71M
Latest filing
Net Interest Margin
5.49%
Profitability
Key People
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Locations
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Main Office
Cumberland Security Bank, Inc.
107 S Main St
Somerset, KY 42501
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/13/1909FDIC Certificate 7257
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cumberland Security Bank, Inc. (Main) | 107 S Main St | Somerset, KY |
| EUBANK BRANCH | 15000 N Highway 1247 | Eubank, KY |
| SOUTH BRANCH | 3758 South Hgwy 27 | Somerset, KY |
| SOMERSET BRANCH | 377 S Highway 27 | Somerset, KY |
Showing 3 of 3
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/13/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42501 |
| State and County Number | 21199 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Somerset, KY |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.csbweb.com |
| Data Updated | 01/30/2026 |
| CERT | 11358 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $427.37M |
| Total Deposits | $371.71M |
| Total Liabilities | $372.66M |
| Total Equity Capital | $54.71M |
| Net Income | $3.54M |
| Net Loans and Leases | $340.20M |
| Assets Per Employee ($Millions) | $6.89M |
| Bank Premises and Fixed Assets | $3.12M |
| Cash and Balances due from Depository Institutions | $44.20M |
| Deposits Held in Domestic Offices | $371.71M |
Key Performance Ratios
| Return on Assets (ROA) | 3.35% |
| Return on Equity (ROE) | 24.83% |
| Net Interest Margin | 5.49% |
| Efficiency Ratio | 31% |
| Tier 1 Risk-Based Capital Ratio | 15.924% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.77% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.802% |
| Earning Assets to total Assets | 96.07% |
Income and Expense
| Total Interest Income | $6.89M |
| Total Noninterest Income | $716.00k |
| Total Interest Expense | $1.29M |
| Total Noninterest Expense | $1.96M |
| Net Interest Income | $5.60M |
| Pre-tax Net Operating Income | $3.54M |
| Provision for Credit Losses | $818.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $67.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.62M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $950.00k |
| Total Liabilities and Capital | $427.37M |
Securities
| Securities | $34.66M |
| Available-for-sale debt securities | $34.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Security Bank, Inc.?
$427.37M as of the latest filing.
How much are Cumberland Security Bank, Inc.'s total deposits?
$371.71M in total deposits.
Where is Cumberland Security Bank, Inc. located?
Somerset, KY.
What is the Net Interest Margin?
5.49%.
How many domestic offices does it operate?
4.
When was it established?
08/13/1909.
What is the Return on Assets (ROA)?
3.35%.
How much are total loans and leases?
$340.20M (latest filing).
What is the total interest income (latest filing)?
$6.89M.