Side-by-side · Q2 2026 data
Morgantown Bank & Trust Company, Incorporated vs United Cumberland Bank
Bank
Morgantown Bank & Trust Company, Incorporated
Morgantown, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Morgantown Bank & Trust Company, Incorporated | United Cumberland Bank |
|---|---|---|
| TellerScore | 63 | 71 (stronger) |
| Capital cushion | 32 | 65 (stronger) |
| Loan quality | 92 (stronger) | 54 |
| Earnings | 53 | 97 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 24th | 47th |
| Total assets | $439.7M | $460.2M |
| Deposits / shares | $385.7M | $399.3M |
| Capital ratio | 8.17% | 11.47% (stronger) |
| Problem loans | 0.24% (stronger) | 1.39% |
| Net charge-offs | 0.02% (stronger) | 0.07% |
| Return on assets | 0.82% | 1.93% (stronger) |
| Loans ÷ deposits | 91.3% | 83.5% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 23.7% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | 12.7% |
United Cumberland Bank has the higher TellerScore (71 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Morgantown Bank & Trust Company, Incorporated leads on 3 and United Cumberland Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.