Cumberland Valley National Bank & Trust Company
London, KY
IDRSSD: 647218
Total Assets
$796.20M
Latest filing
Total Deposits
$720.15M
Latest filing
Net Interest Margin
3.81%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cumberland Valley National Bank & Trust Company
100 S Main St
London, KY 40741
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1904FDIC Certificate 1737
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Cumberland Valley National Bank & Trust Company (Main) | 100 S Main St | London, KY |
| NORTH BRANCH | 1755 N Main St | London, KY |
| WEST LONDON BRANCH | 300 London Shopping Ctr | London, KY |
| U.S. 25 SOUTH BRANCH | 410 S Laurel Rd | London, KY |
| WAL-MART SUPERSTORE BRANCH | 1851 Kentucky 192 | London, KY |
| NORTH RICHMOND | 2110 Lexington Rd | Richmond, KY |
| RICHMOND BY-PASS BRANCH | 505 Leighway Dr | Richmond, KY |
| SOUTH CORBIN BRANCH | 1200 Cumberland Falls Hwy | Corbin, KY |
Showing 7 of 13
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40741 |
| State and County Number | 21125 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | London, KY |
Operational Info
| Number of Employees | 132 |
| Domestic Offices | 15 |
| 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 | www.cvnb.com |
| Data Updated | 11/14/2025 |
| CERT | 2691 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $796.20M |
| Total Deposits | $720.15M |
| Total Liabilities | $724.00M |
| Total Equity Capital | $72.20M |
| Net Income | $1.88M |
| Net Loans and Leases | $556.80M |
| Assets Per Employee ($Millions) | $5.99M |
| Bank Premises and Fixed Assets | $8.38M |
| Cash and Balances due from Depository Institutions | $94.83M |
| Deposits Held in Domestic Offices | $720.15M |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 10.62% |
| Net Interest Margin | 3.81% |
| Efficiency Ratio | 70.68% |
| Tier 1 Risk-Based Capital Ratio | 12.482% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.069% |
| Earning Assets to total Assets | 95.39% |
Income and Expense
| Total Interest Income | $10.71M |
| Total Noninterest Income | $1.64M |
| Total Interest Expense | $3.48M |
| Total Noninterest Expense | $6.27M |
| Net Interest Income | $7.23M |
| Pre-tax Net Operating Income | $2.45M |
| Provision for Credit Losses | $150.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $34.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.85M |
| Total Liabilities and Capital | $796.20M |
Securities
| Securities | $118.98M |
| Available-for-sale debt securities | $117.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.19M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cumberland Valley National Bank & Trust Company?
$796.20M as of the latest filing.
How much are Cumberland Valley National Bank & Trust Company's total deposits?
$720.15M in total deposits.
Where is Cumberland Valley National Bank & Trust Company located?
London, KY.
What is the Net Interest Margin?
3.81%.
How many domestic offices does it operate?
15.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$556.80M (latest filing).
What is the total interest income (latest filing)?
$10.71M.