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Cumberland Valley National Bank & Trust Company

Based on 2 reviews
Overview / Commentary
606-878-7010
1112 Highway 490
East Bernstadt, KY 40729

Cumberland Valley National Bank & Trust Company is headquartered in East Bernstadt and is the 34th largest bank in the state of Kentucky. It is also the 1,662nd largest bank in the nation. It was established in 1904 and as of December of 2013, it had grown to 149 employees at 14 locations. Cumberland Valley National Bank & Trust Company has a B health rating.

Reviews (2)

Rude Customer Service

This is my first time banking with this bank and boy has it been an eye opener. I have had issue with everything from mortgages to cashiers checks with this bank. They disclose nothing and then you find out about it later. I really in all honesty think that the government regulators need to look into their banking practices. First they need to take out a mortgage.. and then see they don’t follow any of the things they say in your mortgage. Second they need to take out a home equity. Nothing that you sign means anything because they change the repayment terms different than what you sign ..Fraud .. next they need to get a cashier’s check .. Nowhere on any document that you sign get show that it will take 4 months..yeh I said 4 months for them to put a stop payment on it if its lost.. All i can say is this. If i could go back in time I would stay clear of this bank

Great Tellers, Great Banking!

Cumberland Valley National Bank has been my local bank for years. The tellers are always nice and quick to serve their customers. I have never had a mistake made on my account and when I make a mistake myself they are there to help me fix it every step of the way. The best part is the services I use are all FREE.



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cumberland Valley National Bank & Trust Company had $7.36 million in non-current loans and owned real-estate with $46.47 million in equity and loan loss allowances on hand to cover it. This gives Cumberland Valley National Bank & Trust Company a Texas Ratio of 15.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Cumberland Valley National Bank & Trust Company decreased slightly from 21.79% as of December 31, 2012 to 15.84% as of December 31, 2013, resulting in a positive change of 27.31%.This indicates that the balance sheet and financial strength for Cumberland Valley National Bank & Trust Company has improved slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Cumberland Valley National Bank & Trust Company has decreased its total deposits by -$9.67 million, resulting in -2.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cumberland Valley National Bank & Trust Company has shown is below average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cumberland Valley National Bank & Trust Company has $400.42 million in assets with $46.47 million in equity, resulting in a capitalization level of 11.61%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #2691
Year Established1904
Employees149
Primary RegulatorOCC
Assets and Liabilities
Assets$400.42 million
Loans$232.35 million
Deposits$340.51 million
Equity Capital$43.35 million
Loan Loss Allowance$3.12 million
Unbacked Noncurrent Loans$2.91 million
Real Estate Owned$4.45 million
Historic Data - December 2012
Assets$415.31 million
Equity Capital$43.78 million
Loan Loss Allowance$3.40 million
Unbacked Noncurrent Loans$2.91 million
Real Estate Owned$5.17 million
Profit Margin - Quarterly
Net Interest Margin3.43%
Return on Assets0.41%
Return on Equity3.79%
Interest Income$14.27 million
Rates
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Cumberland Valley National Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.24%$1m-Cumberland Reserve

Cumberland Valley National Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$250k-Cumberland Now
Locations

Cumberland Valley National Bank & Trust Company has 14 locations. Click to view all Cumberland Valley National Bank & Trust Company locations.