UNITED CUMBERLAND BANK

WHITLEY CITY, KY | Small | Est. Jan. 1, 1906, midnight | FDIC #303 | RSSD #425818 | FDIC
Latest Report: 2025-12-31

UNITED CUMBERLAND BANK is asn small FDIC-insured commercial bank headquartered in WHITLEY CITY, KY, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $454M and total deposits of $394M. Profitability stands at 2.04% ROA and 18.87% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 10.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.46% and a Texas Ratio of 8.93%. FDIC Certificate #303.

Assets

$454M

Deposits

$394M

Loans

$319M

Equity

$49M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 18.87%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.31%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 1.46%
Net Charge-Off Ratio 0.11%
Texas Ratio 8.93%
NPA Ratio 1.06%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 10.85%
Tier 1 Capital 10.85%
Total Capital Ratio 11.39%
Leverage Ratio 11.44%
Loan-to-Deposit 80.93%

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