United Cumberland Bank
Whitley City, KY
IDRSSD: 425818
Total Assets
$453.79M
Latest filing
Total Deposits
$394.33M
Latest filing
Net Interest Margin
4.41%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042105785WHITLEY CITY, KY
Key People
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Locations
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Main Office
United Cumberland Bank
47 S Main St
Whitley City, KY 42653
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1906FDIC Certificate 242
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Cumberland Bank (Main) | 47 S Main St | Whitley City, KY |
| PINE KNOT BRANCH | 3995 S Highway 27 | Pine Knot, KY |
| NORTH SIDE BRANCH | 1385 North Highway 27 | Whitley City, KY |
| HUNTSVILLE BRANCH | 567 Howard H. Baker Highway | Huntsville, TN |
| FIRST TRUST AND SAVINGS BRANCH | 106 Municipal Dr | Oneida, TN |
| JACKSBORO MAIN OFFICE BRANCH | 2828 Appalachian Hwy | Jacksboro, TN |
| SOMERSET BRANCH | 2568 S Highway 27 | Somerset, KY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42653 |
| State and County Number | 21147 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unitedcumberland.com |
| Data Updated | 01/30/2026 |
| CERT | 303 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $453.79M |
| Total Deposits | $394.33M |
| Total Liabilities | $404.45M |
| Total Equity Capital | $49.34M |
| Net Income | $2.31M |
| Net Loans and Leases | $314.51M |
| Assets Per Employee ($Millions) | $4.93M |
| Bank Premises and Fixed Assets | $7.51M |
| Cash and Balances due from Depository Institutions | $42.58M |
| Deposits Held in Domestic Offices | $394.33M |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 18.87% |
| Net Interest Margin | 4.41% |
| Efficiency Ratio | 57.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.872% |
| Earning Assets to total Assets | 94.07% |
Income and Expense
| Total Interest Income | $6.54M |
| Total Noninterest Income | $1.07M |
| Total Interest Expense | $1.87M |
| Total Noninterest Expense | $3.32M |
| Net Interest Income | $4.67M |
| Pre-tax Net Operating Income | $2.34M |
| Provision for Credit Losses | $85.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $170.00k |
| Other borrowed funds | $5.46M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.03M |
| All Other Liabilities | $1.64M |
| Total Liabilities and Capital | $453.79M |
Securities
| Securities | $76.62M |
| Available-for-sale debt securities | $76.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Cumberland Bank?
$453.79M as of the latest filing.
How much are United Cumberland Bank's total deposits?
$394.33M in total deposits.
Where is United Cumberland Bank located?
Whitley City, KY.
What is the Net Interest Margin?
4.41%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$314.51M (latest filing).
What is the total interest income (latest filing)?
$6.54M.