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 Cumberland Security Bank, Inc. Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 5, 2026
Cumberland Security Bank, Inc.'s 7-Months 7-Month CD rates are at 3.56%, 12-Months 12-Month CD rates are at 3.04%, 24-Months 24-Month CD rates are at 2.02%, 6-Months 6-Month CD rates are at 2.02%, 36-Months 36-Month CD rates are at 2.00%. MonitorBankRates evaluates the financial stability of Cumberland Security Bank, Inc. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates were last updated on 05/05/2026. Cumberland Security Bank, Inc. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cumberland Security Bank, Inc.? Share your experience about Cumberland Security Bank, Inc. by leaving a review below, or read customer reviews before you decide to use Cumberland Security Bank, Inc.. 
Cumberland Security Bank, Inc. CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Cumberland Security Bank, Inc. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Cumberland Security Bank, Inc. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cumberland Security Bank, Inc.'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Cumberland Security Bank, Inc.
Bank Holding Company
FIRST COMMERCE BCORP INC
Address
107 S Main St,
Somerset, KY 42501 · Pulaski
Website
https://www.csbweb.com
FDIC Certificate #
11358
Established
08/13/1909
FDIC Insurance Date
01/01/1934
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.02%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
3.5860%
Return on Equity (ROE)
28.4700%
Non-Performing Loans (NPL)
0.00%
Total Assets
$427,367,000
Total Deposits
$371,707,000
Equity Capital
$54,710,000
Net Income
$15,930,000
Headquarters
Somerset
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Cumberland Security Bank, Inc.Is Cumberland Security Bank, Inc. a safe place to deposit money?Yes, Cumberland Security Bank, Inc. is considered a safe financial institution. With a Texas Ratio of 0.021414804768363%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Cumberland Security Bank, Inc. operate?Cumberland Security Bank, Inc. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Cumberland Security Bank, Inc. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cumberland Security Bank, Inc. provides members with tools to manage their accounts and build a solid financial history. Does Cumberland Security Bank, Inc. offer online and mobile banking?Most modern institutions like Cumberland Security Bank, Inc. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csbweb.com. Current Cumberland Security Bank, Inc. Rates
Retrieved from our database of financial products. Rates subject to change.
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