🏦Bank Scorer

CUMBERLAND SECURITY BANK, INC.

SOMERSET, KY · Supervised by FDIC

Est. 1909FDIC #11,358RSSD: FDIC-11358
Part ofFIRST COMMERCE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.89%

Institution Profile

FDIC BankFind

Address

107 S Main St, SOMERSET, KY

County

Pulaski County

Established

August 13, 1909

Total Assets

$417M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$417M

Total Deposits

$358M

Net Loans

$343M

Net Income

$4M

ROA

3.89%

ROE

29.29%

Risk-Based Capital

17.99%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$358M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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