Cumberland County Bank


225 West Avenue
Crossville, TN 38555
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cumberland County Bank is an FDIC insured institution located in Crossville, TN. It was founded in 1961 and has approximately $0.29 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18364
Date Established 1961
Assets $ 286.67 million
Loans $ 118.36 million
Deposits $ 260.14 million
Capital $ 21.89 million

For a more detailed analysis of Cumberland County Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cumberland County Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250%
0.63 points
$2,812 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Cumberland County Bank
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Financial Details

Cumberland County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cumberland County Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cumberland County Bank U.S. Bank Average
2.25% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Cumberland County Bank had $98,000 in non-current loans and $426,000 in owned real estate. To cover these potential losses it had $21,887,000 in equity and $1,366,000 in loans loss reserves. That gives it a Texas Ratio of 2.25%.

Return on Equity
Cumberland County Bank U.S. Bank Average
8.86% 11.43%

Cumberland County Bank has a Return on Equity of 8.86% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cumberland County Bank U.S. Bank Average
7.63% 11.51%

Cumberland County Bank has a Capitalization of 7.63% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cumberland County Bank Balance Sheet Analysis

As of March 31, 2015, Cumberland County Bank had assets of $294,496,000, loans of $118,355,000, and deposits of $260,143,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 118.36 million
Loan loss allowance $ 1.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.43 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 260.14 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 286.67 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Cumberland County Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Tennessee, Cumberland County Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.38
Credit Card Loans 0.00
Consumer Auto Loans 2.22
Small Business Loans 24.69
Construction and Development Loans 4.88
Commercial Real Estate 32.94
Commercial and Industrial Loans 5.74
Farm Loans 0.02

Frequently Asked Questions About Cumberland County Bank

Branches and Savings

Is Cumberland County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18364.

Why does Cumberland County Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cumberland County Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cumberland County Bank a commercial bank?


Where are Cumberland County Bank locations?

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Is Cumberland County Bank open on Saturdays?

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Are Cumberland County Bank ATMs Open 24/7?

Do Cumberland County Bank ATMs accept cash deposits?

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Do Cumberland County Bank branches have notaries?

Will Cumberland County Bank notarize my document?

What address for Cumberland County Bank should I put for incoming ACH transfers? | Jun 1, 2019

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Will the Cumberland County Bank branch print checks?

Do Cumberland County Bank checks expire?

Does Cumberland County Bank require US citizenship to open account?

Can Cumberland County Bank close my account?

Does Cumberland County Bank Report to credit bureaus?

Does Cumberland County Bank Use Equifax?

What is Cumberland County Bank's ACH Routing Number?

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Does Cumberland County Bank offer mortgages?

Compare mortgage rates here.

Does Cumberland County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cumberland County Bank offer personal loans?

Compare personal loan rates here.

Does Cumberland County Bank offer student loans?

Will Cumberland County Bank cash a check?

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Background on The Bank

Who owns Cumberland County Bank?

How long has Cumberland County Bank been around?

Can Cumberland County Bank transfer to other banks?

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Will Cumberland County Bank accept loose change?

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