Side-by-side · Q2 2026 data
United Cumberland Bank vs The First National Bank of Russell Springs
Bank
The First National Bank of Russell Springs
Russell Springs, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | United Cumberland Bank | The First National Bank of Russell Springs |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 65 (stronger) | 55 |
| Loan quality | 54 | 96 (stronger) |
| Earnings | 97 (stronger) | 78 |
| Funding & liquidity | 67 (stronger) | 46 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 47th | 53rd |
| Total assets | $460.2M | $475.2M |
| Deposits / shares | $399.3M | $409.0M |
| Capital ratio | 11.47% (stronger) | 10.52% |
| Problem loans | 1.39% | 0.11% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 1.45% |
| Loans ÷ deposits | 83.5% (stronger) | 83.9% |
| Uninsured deposits | 23.7% (stronger) | 42.1% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
The First National Bank of Russell Springs has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 4 and The First National Bank of Russell Springs on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.