United Cumberland Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Cumberland Bank of Whitley City, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 17.76% | 13.31% | +4.45% | 79th top |
| Net Interest Margin | 4.28% | 3.93% | +0.35% | 69th above |
| Efficiency Ratio | 58.47% | 61.14% | -2.67% | 59th above |
| PPNR / Avg Assets | 2.01% | 1.68% | +0.33% | 73rd above |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 0.94% | +0.55% | 18th bottom |
| NPA / Total Assets | 1.12% | 0.70% | +0.42% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 93.60% | 1539.38% | -1445.78% | 26th below |
| Texas Ratio | 9.30% | 7.33% | +1.97% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1396.32% | -1229.65% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.47% | 12.14% | -0.67% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.04% | 11.37% | -0.33% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.03% | 11.09% | -0.06% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.71% | 80.64% | +4.07% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.19% | 86.86% | +1.33% | 45th below |
| Wholesale Funding Ratio | 1.82% | 5.04% | -3.22% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.09% | 6.85% | -3.76% | 40th below |
| Loan Growth (Y/Y) | 8.73% | 7.90% | +0.83% | 69th above |
| Deposit Growth (Y/Y) | 3.23% | 6.29% | -3.06% | 44th below |
See United Cumberland Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Cumberland Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Cumberland Bank profile, how to read a UBPR, or how this data updates.