Headquartered in Whitley City, Kentucky, United Cumberland Bank is a state-chartered bank with $460.2M in total assets and $399.3M in deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1906.
Based on its Q2 2026 filing, United Cumberland Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 69th. Its strongest component is earnings (97/100; 1.93%), and its lowest is loan quality (54/100; 1.39%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 63 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.77% |
| Q3 2024 | 11.73% |
| Q4 2024 | 11.64% |
| Q1 2025 | 11.55% |
| Q2 2025 | 11.44% |
| Q3 2025 | 11.41% |
| Q4 2025 | 11.44% |
| Q1 2026 | 11.51% |
| Q2 2026 | 11.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.96% |
| Q3 2024 | 1.84% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.73% |
| Q4 2024 | 1.77% |
| Q1 2025 | 1.61% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.78% |
| Q4 2025 | 1.84% |
| Q1 2026 | 1.91% |
| Q2 2026 | 1.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $460.2M | 11.47% | 1.39% | 1.93% | 83.5% |
| Q1 2026 | 71 | $459.5M | 11.51% | 1.36% | 1.91% | 80.3% |
| Q4 2025 | 69 | $453.8M | 11.44% | 1.51% | 1.84% | 79.8% |
| Q3 2025 | 70 | $448.2M | 11.41% | 1.33% | 1.78% | 80.1% |
| Q2 2025 | 67 | $446.4M | 11.44% | 1.61% | 1.67% | 79.2% |
| Q1 2025 | 63 | $433.0M | 11.55% | 1.91% | 1.61% | 80.5% |
| Q4 2024 | 67 | $424.4M | 11.64% | 1.63% | 1.77% | 81.8% |
| Q3 2024 | 66 | $415.7M | 11.73% | 1.84% | 1.73% | 80.3% |
| Q2 2024 | 66 | $402.1M | 11.77% | 1.96% | 1.79% | 79.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Meade County BankBank Brandenburg, KY | 65 out of 100, Moderate | $458.4M | 8.8% | 0.19% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Pbt BancorpBank Hazard, KY | 28 out of 100, Low | $473.2M | 8.2% | 2.66% | vs |
| The First National Bank of Russell SpringsBank Russell Springs, KY | 73 out of 100, Strong | $475.2M | 10.5% | 0.11% | vs |
| Morgantown Bank & Trust Company, IncorporatedBank Morgantown, KY | 63 out of 100, Moderate | $439.7M | 8.2% | 0.24% | vs |
| Eclipse Bank, Inc.Bank Louisville, KY | 61 out of 100, Moderate | $485.7M | 9.5% | 0.31% | vs |
Deposit insurance
Is my money safe at United Cumberland Bank?
Yes. United Cumberland Bank is an FDIC-insured institution (FDIC certificate #303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.7% of deposits ($94.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
United Cumberland Bank lists 7 offices in 6 cities across 2 states. Most locations:
- Whitley City, KY (2)
- Huntsville, TN (1)
- Jacksboro, TN (1)
- Oneida, TN (1)
- Pine Knot, KY (1)
- Somerset, KY (1)
HMDA 2025
Mortgage lending
In 2025, United Cumberland Bank reported 269 home-loan applications under HMDA (LEI 549300PLQ5DT613TXQ48): 198 originated ($36,240,000 total), 29 denied, and 41 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Cumberland Bank
- Former names
- Bank of McCreary County
- Type
- State-chartered bank
- FDIC certificate #
- 303
- RSSD ID
- 425818
- Primary regulator
- FDIC
- Holding company
- McCreary Bancshares Inc
- Established
- January 1, 1906
- Headquarters
- 47 S Main St, Whitley City, KY 42653
- Website
- www.unitedcumberland.com
- Employees
- 92
Quick answers
United Cumberland Bank: common questions
Is United Cumberland Bank FDIC insured?
Yes. United Cumberland Bank is an FDIC-insured institution (FDIC certificate #303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Cumberland Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Cumberland Bank ever failed?
There is no failure record for FDIC certificate #303 in the FDIC failed bank list.
How many branches does United Cumberland Bank have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Whitley City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| The First National Bank of OneidaBank Oneida, TN | 82 out of 100, Strong | $367.8M | 11.0% | 0.27% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |