Banks UNITED CUMBERLAND BANK

UNITED CUMBERLAND BANK

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

UNITED CUMBERLAND BANK is an 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%. CET1 capital ratio: 10.85%, well above regulatory minimums. NPL ratio: 1.46% · Texas Ratio: 8.93%.

Assets
$454M
Deposits
$394M
Loans
$319M
Equity
$49M

Profitability

Return on Assets (ROA)2.04%
Return on Equity (ROE)18.87%
Net Interest Margin4.50%
Yield on Assets6.31%
Cost of Funds1.88%

Asset Quality

NPL Ratio1.46%
Net Charge-Off Ratio0.11%
Texas Ratio8.93%
NPA Ratio1.06%
ACL / Loans1.45%

Capital & Liquidity

CET1 Ratio10.85%
Tier 1 Capital10.85%
Total Capital Ratio11.39%
Leverage Ratio11.44%
Loan-to-Deposit80.93%

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