🏦Bank Scorer

CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY

LONDON, KY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1904FDIC #2,691
Outstanding Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

100 S Main St, LONDON, KY

County

Laurel County

Established

January 1, 1904

Total Assets

$833M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 28, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$833M

Total Deposits

$754M

Net Loans

$555M

Net Income

$2M

ROA

0.98%

ROE

10.85%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.27%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$721M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413387.97%8.27%
202317077.65%12.94%
202222185.97%8.60%
202138286.91%3.40%
202046087.61%1.52%
201914785.71%8.16%
201812190.91%6.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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