United Cumberland Bank
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Data as of · sourced from FFIEC call reports. How we update
United Cumberland Bank is an FDIC-insured commercial bank headquartered in Whitley City, KY, established in 1906 (FDIC certificate 303), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $460.2M, up 3.1% from Q2 2025, the 44th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 303
- Headquarters
- Whitley City, KY
- Established
- 1906
- Total assets, Q2 2026
- $460.2M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 11.47%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 042105785
- Latest call report
- Q2 2026, FFIEC 051 · United Cumberland Bank call report
- Holding company
- MCCREARY BANCSHARES INC.
- Asset rank in state
- 44th of 120 in Kentucky
United Cumberland Bank is one of the more profitable banks of its size. It reported $460 million in assets at June 30, 2026, up 3.1% from a year earlier. It earns about $1.92 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it carries problem assets equal to 8.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $2.2 million. Over the same year, loans grew 8.7% and deposits grew 3.2%.
As of June 30, 2026, United Cumberland Bank reported a return on assets of 1.92%, a nonperforming-loan ratio of 1.39% and a Texas ratio of 8.70%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Cumberland Bank is the 44th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $460.2M, loans rose 4.0% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.3% of total loans, ahead of owner-occupied commercial real estate loans at 12.4%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities across 2 states; its Whitley City 2 offices book 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Cumberland Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 47 S Main St, Whitley City, KY 42653
- County
- Mccreary
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $399.3M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $114K
- Average total assets
- $465.6M
- Average total loans
- $332.0M
- Average interest-bearing deposits
- $319.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 303
- Fed RSSD
- 425818
- Website
- www.unitedcumberland.com →
- Parent Holding Company
- MCCREARY BANCSHARES INC. (RSSD 1071342)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, United Cumberland Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
United Cumberland Bank's total assets moved between a low of $379.2M (Q3 2023) and a high of $460.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$460.2M total assets against $446.4M; $409.4M total liabilities against $399.7M.
$333.6M net loans and leases against $306.5M; $399.3M total deposits against $386.8M.
$75.3M securities against $72.8M; $31.2M cash and balances due against $48.4M.
$6.6M total interest income against $6.3M; $1.9M total interest expense against $1.9M.
$4.7M net interest income against $4.4M.
$1.0M total noninterest income against $975K; $3.4M total noninterest expense against $3.2M.
$82K provision for credit losses against $262K.
$2.2M net income against $1.9M.
1.92% return on assets against 1.72%; 4.28% net interest margin against 4.22%.
11.47% tier 1 leverage ratio against 11.44%.
Inside the full United Cumberland Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Cumberland Bank rankings
Its closest position to the top of a national ranking is 581 of 3,611, for ROA; its furthest is 1,654 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.58% (Q3 2024) to 2.03% (Q4 2025) and its net interest margin ran from 4.02% (Q1 2025) to 4.40% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.92% | 1.39% | 8.70% | 4.28% |
| Q1 2026 | 11.51% | 1.91% | 1.36% | 8.36% | 4.24% |
| Q4 2025 | 11.44% | 2.03% | 1.51% | 9.26% | 4.40% |
| Q3 2025 | 11.41% | 1.95% | 1.33% | 8.19% | 4.30% |
| Q2 2025 | 11.44% | 1.72% | 1.61% | 10.68% | 4.22% |
| Q1 2025 | 11.55% | 1.59% | 1.91% | 12.91% | 4.02% |
| Q4 2024 | 11.64% | 1.86% | 1.63% | 11.52% | 4.16% |
| Q3 2024 | 11.73% | 1.58% | 1.84% | 12.42% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Cumberland Bank (main office) | Whitley City , KY | 42653 | $161.3M |
| First Trust and Savings Branch | Oneida , TN | 37841 | $101.1M |
| Jacksboro Main Office Branch | Jacksboro , TN | 37757 | $46.9M |
| Somerset Branch | Somerset , KY | 42501 | $34.3M |
| Pine Knot Branch | Pine Knot , KY | 42635 | $23.3M |
| Huntsville Branch | Huntsville , TN | 37756 | $18.8M |
| North Side Branch | Whitley City , KY | 42653 | $13.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 14, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 2014 | Structure Change | Acquired First Trust and Savings Bank, Oneida, Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 84 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 253 applications, 198 loans originated, $36.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.1M approved, $383K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Cumberland Bank
What are United Cumberland Bank's total assets?
As of the Q2 2026 filing, United Cumberland Bank reported total assets of $460.2 million in its FFIEC call report.
Where is United Cumberland Bank headquartered?
It is headquartered in Whitley City, KY, United States.
When was United Cumberland Bank founded?
It was established in 1906, per the FDIC institution directory.
Is United Cumberland Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Cumberland Bank?
United Cumberland Bank's primary federal regulator is the FDIC.
How many branches does United Cumberland Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Cumberland Bank's Texas Ratio?
Its Texas Ratio is 8.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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