Cumberland Valley National Bank & Trust Company
London, Kentucky, Laurel County
$816M in total assets, the 1,261st largest of 4,309 US banks and 21st of 120 headquartered in Kentucky.
- FDIC certificate
- 2691
- Established
- 1904
- Owned by
- Cumberland Valley Finl Corp
- Primary regulator
- OCC
- Website
- www.cvnb.com
At a glance
Compared with 87 banks headquartered in Kentucky with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $816M | 97% | $286M | |
| Loans | $559M | 95% | $206M | |
| Deposits | $737M | 98% | $251M | |
| Return on assets | 1.10% | 34% | 1.34% | |
| Net interest margin | 3.96% | 48% | 4.02% | |
| Efficiency ratio | 65.7% | 64% | 59.5% | |
| Equity to assets | 9.17% | 45% | 9.43% | |
| Loans to deposits | 76% | 30% | 83% |
Growth
Total assets grew 3.6% a year over the last 5 years and 6.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 1993 | Corbin Deposit Bank & Trust Company Corbin, KY, an affiliate under the same holding company | $62M |
Where they operate
14 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Laurel County, KY | $340M | 26.2% | 1 of 12 |
| Madison County, KY | $193M | 9.7% | 4 of 17 |
| Whitley County, KY | $87M | 15.3% | 4 of 6 |
| Pulaski County, KY | $42M | 2.2% | 9 of 12 |
| Knox County, KY | $30M | 6.4% | 5 of 6 |
| Fayette County, KY | $26M | 0.2% | 26 of 31 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (15 to 14, −6.7%). 3 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2019 | Opened LexingtonClosed Williamsburg | 1 | 1 | 0 | 15 |
| 2020 | Closed London | 0 | 1 | −1 | 14 |
| 2021 | Opened East BernstadtClosed East Bernstadt | 1 | 1 | 0 | 14 |
| 2022 | Opened Louisville | 1 | 0 | +1 | 15 |
| 2025 | Closed East Bernstadt | 0 | 1 | −1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 22% | |
| 1-4 family residential | 29% | 41% | |
| Construction and land | 10% | 8% | |
| Business (C&I) | 10% | 8% | |
| Multifamily | 6% | 4% | |
| Consumer | 3% | 5% | |
| Farmland | 2% | 8% | |
| Agricultural | 0% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 40% | |
| Time deposits | 34% | 36% | |
| Noninterest-bearing | 25% | 24% |
Brokered deposits are 0.0% of deposits (peers 2.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.22% | 0.54% |
| Net charge-offs, annualized | -0.08% | 0.02% |
| Reserves to loans | 1.37% | 1.14% |
| Leverage ratio | 9.49% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Largest competitors in Laurel County, KY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/cumberland-valley