Total Assets
$454M
Total balance-sheet footings
FDIC Cert #303 · Whitley City, Kentucky · Est. 1906
United Cumberland Bank - FDIC Bank Health Profile
A community-scale look at United Cumberland Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $454M
- Total assets
- A
- Health grade · Excellent
- 1.84%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
United Cumberland Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.44% Tier 1, profitable at 1.84% ROA, efficient (59% cost ratio).
- #1,919
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 11.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How United Cumberland Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Cumberland Bank's composite health score
Tier 1 Capital Ratio (11.44%) 28/40
Return on Assets (ROA) (1.84%) 25/25
Texas Ratio (8.93%) 16/20
Efficiency Ratio (58.52%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$394M
Customer-funded liabilities
Net Loans
$315M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Cumberland Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Cumberland Bank's score of 81/100 falls in the highlighted band.
United Cumberland Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Cumberland Bank's $454M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.44%
Texas Ratio
8.93%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.84%
Return on Equity (ROE)
17.44%
Efficiency Ratio
58.52%
What the numbers say about United Cumberland Bank
United Cumberland Bank is an FDIC-insured institution (Certificate #303) headquartered in Whitley City, Kentucky, established in 1906. It holds $454M in total assets - 1,919th of 4,313 FDIC-insured banks, $394M in customer deposits, and $315M in net loans. Capital-wise, the Tier 1 ratio sits at 11.44%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 8.93%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
United Cumberland Bank sits 43rd of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$25M
Interest Income
$4M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Cumberland Bank reports a Texas Ratio of 8.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Cumberland Bank (FDIC Cert #303) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is United Cumberland Bank's health grade?▼
United Cumberland Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is United Cumberland Bank?▼
United Cumberland Bank holds $454M in total assets and $394M in deposits, ranking 1,919th of 4,313 FDIC-insured banks by asset size. It is headquartered in Whitley City, Kentucky.
Is my money safe at United Cumberland Bank?▼
Yes, deposits at United Cumberland Bank (Certificate #303) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Cumberland Bank's Tier 1 Capital Ratio?▼
United Cumberland Bank has a Tier 1 Capital Ratio of 11.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Cumberland Bank?▼
United Cumberland Bank has a Texas Ratio of 8.93%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Cumberland Bank?▼
United Cumberland Bank has an Efficiency Ratio of 58.52%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Cumberland Bank's profile as a depositor or analyst.
- United Cumberland Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Cumberland Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.