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%.
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