United Cumberland Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.39 percentage points in Q2 2026, from 98.99% to 93.60%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Cumberland Bank is 19th of 119 on return on assets, 1.92% as of Q2 2026, above the middle of the field. United Cumberland Bank's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.47% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 11.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.49% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 9.30% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 93.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 17.76% |
| Net interest margin | 4.28% |
| Efficiency ratio | 58.47% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.71% |
| Core deposits to total deposits | 88.19% |
| Brokered deposits to total deposits | 1.00% |
| Deposits to assets | 86.78% |
| Securities to assets | 16.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.08% | 1.90% | 4.29% | 2.74% | 0.09% |
| Q4 2023 | 11.88% | 1.97% | 4.24% | 2.98% | 0.21% |
| Q1 2024 | 11.60% | 1.76% | 4.08% | 2.63% | 0.25% |
| Q2 2024 | 11.77% | 1.75% | 4.26% | 2.27% | 0.05% |
| Q3 2024 | 11.73% | 1.58% | 4.11% | 2.14% | 0.53% |
| Q4 2024 | 11.64% | 1.86% | 4.16% | 1.87% | 0.07% |
| Q1 2025 | 11.55% | 1.59% | 4.02% | 2.05% | 0.10% |
| Q2 2025 | 11.44% | 1.72% | 4.22% | 1.82% | 0.08% |
| Q3 2025 | 11.41% | 1.95% | 4.30% | 1.50% | 0.19% |
| Q4 2025 | 11.44% | 2.03% | 4.40% | 1.55% | 0.07% |
| Q1 2026 | 11.51% | 1.91% | 4.24% | 1.46% | 0.11% |
| Q2 2026 | 11.47% | 1.92% | 4.28% | 1.49% | 0.03% |
United Cumberland Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Cumberland Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Cumberland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 303) · FFIEC NIC profile (RSSD 425818)