Bank · FDIC insured
Cumberland Security Bank
A $420.1M bank headquartered in Somerset, KY, with 4 branches in Kentucky. Best rates: CDs 3.76% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs713.76%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cumberland Security Bank
Cumberland Security Bank is a locally-owned community bank headquartered in Somerset, Kentucky, serving the region since 1909.
The bank operates four locations, serving Pulaski County and surrounding counties.
- Headquarters
- 107 S Main St, Somerset, KY 42501
- FDIC certificate
- 11358 ↗
Branches
4 branches in Kentucky
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Kentucky
4 branches
- Cumberland Security Bank, Inc.Main office107 S Main St, Somerset, KY 42501Directions
- Eubank Branch15000 N Highway 1247, Eubank, KY 42567Directions
- Somerset Branch377 S Highway 27, Somerset, KY 42501Directions
- South Branch3758 South Hgwy 27, Somerset, KY 42501Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.14% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.16% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 4.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $96 | $81 | — |
- CapitalLeverage ratio14.14%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.16%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets4.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$96Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cumberland Security Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.