Side-by-side · Q2 2026 data
United Cumberland Bank vs Community Trust Bank, Inc.
Metric by metric
| Measure | United Cumberland Bank | Community Trust Bank, Inc. |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 65 | 84 (stronger) |
| Loan quality | 54 | 81 (stronger) |
| Earnings | 97 (stronger) | 86 |
| Funding & liquidity | 67 (stronger) | 55 |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 47th | 90th |
| Total assets | $460.2M | $6.9B |
| Deposits / shares | $399.3M | $5.7B |
| Capital ratio | 11.47% | 13.43% (stronger) |
| Problem loans | 1.39% | 0.58% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.93% (stronger) | 1.64% |
| Loans ÷ deposits | 83.5% (stronger) | 89.3% |
| Uninsured deposits | 23.7% (stronger) | 29.6% |
| Offices | 7 | 78 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 13.9% |
Community Trust Bank, Inc. has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 4 and Community Trust Bank, Inc. on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Somerset, KY
- Jacksboro, TN