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 United Cumberland Bank
United Cumberland Bank
| RSSD ID 425818 | CERTIFICATE 303 | ABA NUMBER 42105785 |
| 47 S Main St |
Quarter Ended : |
2025-12-31 |
| Whitley City, Kentucky, 42653 |
Updated : |
2026-01-20 |
| www.unitedcumberland.com |
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| Institution Profile |
| Year Opened : |
1906 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
92 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 453,787 |
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Total Interest Income | 25,249 |
| Total Liabilities | 404,452 |
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Total NonInterest Income | 4,047 |
| Total Bank Equity Capital | 49,335 |
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Total Interest Expense | 7,418 |
| Total Deposits | 394,327 |
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Total NonInterest Expense | 12,804 |
| Net Loans & Leases | 314,510 |
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Net Income | 8,139 |
| Loan Loss Allowance | 4,634 |
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Net Charge Offs | 349 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 319,658 |
| Total assets for the leverage ratio | 454,219 |
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Loans secured by real estate: | 244,993 |
| Tier 1 Leverage Ratio | 11.44 |
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Commercial and industrial loans | 24,127 |
| Off Balance Sheet Exposures (%) | 8.22 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 25,775 |
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:· United Cumberland Bank
