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United Cumberland Bank
Whitley City, KY · FDIC Certificate #303 · Chartered 01/0
Total assets
$460.17M
Total deposits
$399.33M
Total equity
$50.82M
Net loans
$333.58M
Branches (offices)
7
Net income (YTD)
$4.42M
Rank: #1,880 of 4,213 U.S. banks by assets · #44 of 120 in Kentucky. Assets changed 3.1% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 17.69% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 11.04% |
| Tier 1 leverage ratio | 11.47% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 1.39% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $282.72M | 84.8% | |
| Commercial & industrial | $25.16M | 7.5% | |
| Consumer / individual | $25.80M | 7.7% | |
| Construction & development | $27.91M | 8.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $377.06M | $326.28M | $3.10M | $36.77M |
| Jun 2023 | $378.53M | $330.58M | $3.81M | $37.02M |
| Jun 2024 | $402.13M | $352.04M | $3.60M | $41.15M |
| Jun 2025 | $446.38M | $386.83M | $3.63M | $46.65M |
| Jun 2026 | $460.17M | $399.33M | $4.42M | $50.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $232.47M | 4 |
| Tennessee | $166.87M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $399.33M.
Similar-sized banks
United Savings Bank ($460.57M) · Integrity Bank & Trust ($459.56M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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