Hart County Bank And Trust Company vs Cumberland Security Bank, Inc.
Comparing a Bank in Munfordville, KY with a Bank in Somerset, KY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Hart County Bank And Trust Company ↗ Bank · Munfordville, KY · Est. 1890 | Cumberland Security Bank, Inc. ↗ Bank · Somerset, KY · Est. 1909 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Munfordville, KY | Somerset, KY |
| Total assets | $24.0M | $416.6M |
| Capital ratio | 31.5% | 13.8% |
| Return on assets | 2.4% | 3.9% |
| Deposits | $16.1M | $358.2M |
| Branches | 1 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 120 | #2 of 120 |
| Established | 1890 | 1909 |
Hart County Bank And Trust Company
- Assets: $24.0M
- Deposits: $16.1M
- Capital ratio: 31.5%
- Return on assets: 2.4%
- CFPB complaints: 0
- State rank: #1 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. Hart County Bank And 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, Hart County Bank And Trust Company or Cumberland Security Bank, Inc.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hart County Bank And 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 Hart County Bank And Trust Company safe?
Yes — Hart County Bank And 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 Hart County Bank And Trust Company vs Cumberland Security Bank, Inc.?
Hart County Bank And Trust Company has a capital ratio of 31.5%, placing it in the top 6% of <$100M 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 Hart County Bank And Trust Company have compared to Cumberland Security Bank, Inc.?
The CFPB database shows 0 complaints against Hart County Bank And 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 Hart County Bank And 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.
