United Cumberland Bank
Whitley City, Kentucky, Mccreary County
$460M in total assets, the 1,913th largest of 4,309 US banks and 44th of 120 headquartered in Kentucky.
- FDIC certificate
- 303
- Established
- 1906
- Owned by
- Mccreary Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.unitedcumberland.com
At a glance
Compared with 87 banks headquartered in Kentucky with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $460M | 70% | $286M | |
| Loans | $338M | 68% | $206M | |
| Deposits | $399M | 74% | $251M | |
| Return on assets | 1.97% | 90% | 1.34% | |
| Net interest margin | 4.31% | 75% | 3.98% | |
| Efficiency ratio | 58.3% | 42% | 60.2% | |
| Equity to assets | 11.04% | 75% | 9.40% | |
| Loans to deposits | 85% | 55% | 83% |
Growth
Total assets grew 4.6% a year over the last 5 years and 4.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2014 | First Trust and Savings Bank, Oneida, Tennessee Oneida, TN, an affiliate under the same holding company | $146M |
Where they operate
7 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Mccreary County, KY | $198M | 100.0% | 1 of 1 |
| Scott County, TN | $120M | 26.3% | 2 of 3 |
| Campbell County, TN | $47M | 6.2% | 6 of 8 |
| Pulaski County, KY | $34M | 1.8% | 10 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (6 to 7, +16.7%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2017 | Opened Somerset | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 49% | 41% | |
| Commercial real estate | 21% | 22% | |
| Construction and land | 8% | 8% | |
| Consumer | 8% | 5% | |
| Business (C&I) | 7% | 8% | |
| Multifamily | 3% | 4% | |
| Farmland | 2% | 8% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 40% | |
| Time deposits | 35% | 36% | |
| Noninterest-bearing | 22% | 24% |
Brokered deposits are 1.0% of deposits (peers 2.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.39% | 0.52% |
| Net charge-offs, annualized | 0.07% | 0.02% |
| Reserves to loans | 1.39% | 1.14% |
| Leverage ratio | 11.47% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/united-cumberland