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United Cumberland Bank Locations & Branches Whitley City, Kentucky
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United Cumberland Bank operates 7 branches from its headquarters in Whitley City, KY, .
United Cumberland Bank branch network
Its 7 branches span 2 states and 6 cities. The most are in KENTUCKY (4) and TENNESSEE (3). KENTUCKY holds 58.2% of its branch deposits. Whitley City, KY has the most of its branches, 2. Its largest office by deposits is its main office in Whitley City, KY, with $161.3M (40.4% of its branch deposits). It had the same number of branches on June 30, 2025.
United Cumberland Bank at a glance
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.
- Total assets, Q2 2026
- $460.2M
- Tier 1 leverage ratio, Q2 2026
- 11.47%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1906
Full financial profile · Is United Cumberland Bank safe? · United Cumberland Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Whitley City, KY (2 branches) | 1 of 1 | 100.0% | $174.8M |
| State: KY (4 branches) | 84 of 152 | 0.2% | $232.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
United Cumberland Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mccreary, KY (3 branches) | 1 of 1 | 100.0% | $198.1M | $198.1M |
| Scott, TN (2 branches) | 2 of 3 | 26.3% | $119.9M | $455.8M |
| Campbell, TN (1 branch) | 6 of 8 | 6.2% | $46.9M | $759.1M |
| Pulaski, KY (1 branch) | 10 of 12 | 1.8% | $34.3M | $1.89B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Knoxville, TN (1 branch) | 35 of 41 | 0.2% | $46.9M | $26.33B |
| Somerset, KY (1 branch) | 10 of 12 | 1.8% | $34.3M | $1.89B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 303) · FFIEC NIC profile (RSSD 425818)