Citizens Bank & Trust Company vs Cumberland Security Bank, Inc.
Comparing a Bank in Campbellsville, KY with a Bank in Somerset, KY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens Bank & Trust Company ↗ Bank · Campbellsville, KY · Est. 1939 | Cumberland Security Bank, Inc. ↗ Bank · Somerset, KY · Est. 1909 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Campbellsville, KY | Somerset, KY |
| Total assets | $381.5M | $416.6M |
| Capital ratio | 12.1% | 13.8% |
| Return on assets | 1.2% | 3.9% |
| Deposits | $332.7M | $358.2M |
| Branches | 4 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 120 | #2 of 120 |
| Established | 1939 | 1909 |
Citizens Bank & Trust Company
- Assets: $381.5M
- Deposits: $332.7M
- Capital ratio: 12.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 120
Cumberland Security Bank, Inc.
- Assets: $416.6M
- Deposits: $358.2M
- Capital ratio: 13.8%
- Return on assets: 3.9%
- CFPB complaints: 0
- State rank: #2 of 120
Are both institutions federally insured?
Yes. Citizens Bank & Trust Company is FDIC-insured and Cumberland Security Bank, Inc. is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Citizens Bank & Trust Company or Cumberland Security Bank, Inc.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens Bank & Trust Company scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Citizens Bank & Trust Company safe?
Yes — Citizens Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Cumberland Security Bank, Inc. safe?
Yes — Cumberland Security Bank, Inc. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Citizens Bank & Trust Company vs Cumberland Security Bank, Inc.?
Citizens Bank & Trust Company has a capital ratio of 12.1%, placing it in the top 26% of $100M–1B peers. Cumberland Security Bank, Inc.'s ratio is 13.8%, placing it in the top 15% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens Bank & Trust Company have compared to Cumberland Security Bank, Inc.?
The CFPB database shows 0 complaints against Citizens Bank & Trust Company, and 0 complaints against Cumberland Security Bank, Inc.. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Citizens Bank & Trust Company with other Banks in Kentucky
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
