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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Whitley City, KY · FDIC certificate #303
UNITED CUMBERLAND BANK is an FDIC-insured institution based in Whitley City, KY (FDIC certificate #303). In its Q3 2026 Call Report it reported total assets of $470M, total deposits of $405M and net loans of $344M. Its primary federal regulator is FDIC.
Plain-language readout
UNITED CUMBERLAND BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $470M in Q3 2026 and were lowest at $459M in Q1 2026.
Total deposits were highest at $405M in Q3 2026 and lowest at $399M in Q1 2026.
Over the whole period total assets rose 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $470M | $405M | $344M | 2.04% | 18.82% | 4.43% |
| Q2 2026 | $460M | $399M | $334M | 1.93% | 17.69% | 4.31% |
| Q1 2026 | $459M | $399M | $321M | 1.91% | 17.66% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $31.2M | $41.7M | -$10.5M | -25.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $75.3M | $76.9M | -$1.6M | -2.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $333.6M | $320.6M | +$13.0M | +4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.3M | $7.4M | -$130K | -1.7% |
| Other real estate owned | $130K | $130K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $50K | $50K | $0K | 0.0% |
| All other assets | $12.6M | $12.7M | -$69K | -0.5% |
| Total assets | $460.2M | $459.5M | +$695K | +0.2% |
| Liabilities | ||||
| Total deposits | $399.3M | $399.2M | +$136K | +0.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $3.2M | $3.4M | -$102K | -3.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.1M | $5.3M | -$186K | -3.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.9M | -$305K | -15.7% |
| Total liabilities | $409.4M | $409.8M | -$457K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $750K | $750K | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $44.9M | $44.1M | +$731K | +1.7% |
| Accumulated other comprehensive income | -$2.6M | -$3.1M | +$421K | +13.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $50.8M | $49.7M | +$1.2M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.8M | $4.5M | +$286K | +6.3% |
| Adjusted nonperforming assets | $4.8M | $4.5M | +$286K | +6.3% |
| Tangible equity plus allowance | $55.5M | $54.3M | +$1.2M | +2.1% |
| Texas ratio (gross) | 8.70% | 8.36% | +0.34 pts | See points |
| Texas ratio (adjusted) | 8.70% | 8.36% | +0.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.47% | 11.51% | -0.04 pts | See points |
| Construction and land loans to total capital | 48.03% | 51.75% | -3.71 pts | See points |
| Commercial real estate to total capital | 117.60% | 123.27% | -5.66 pts | See points |
| Dividend payout, year to date | 67.93% | 68.65% | -0.72 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.93% | -5.80% | +0.87 pts | See points |
| Liquidity | ||||
| Core deposits | $352.2M | $351.5M | +$692K | +0.2% |
| Non-core funding | $55.5M | $56.4M | -$844K | -1.5% |
| Loans to core deposits | 96.06% | 92.54% | +3.51 pts | See points |
| Loans to deposits | 84.71% | 81.48% | +3.23 pts | See points |
| Brokered deposits share of deposits | 1.00% | 1.00% | -0.00 pts | See points |
| Pledged securities share of securities | 68.23% | 63.94% | +4.30 pts | See points |
| Loans pledged, share of loans | 43.89% | 43.16% | +0.73 pts | See points |
| Volatile liabilities | $55.5M | $56.4M | -$844K | -1.5% |
| Earnings | ||||
| Earnings before provision, year to date | $4.7M | $2.4M | +$2.3M | +98.8% |
| Earnings before provision, single quarter | $2.3M | $2.4M | -$29K | -1.2% |
| Provision for credit losses, year to date | $235K | $153K | +$82K | +53.6% |
| Yield and cost | ||||
| Yield on loans and leases | 7.03% | 7.09% | -0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.71% | 3.03% | +0.68 pts | See points |
| Total interest income to average assets | 5.63% | 5.58% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.86% | 1.85% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.68% | 0.72% | -0.04 pts | See points |
| Cost of time deposits | 3.40% | 3.36% | +0.04 pts | See points |
| Total interest expense to average assets | 1.59% | 1.58% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $470M | $405M | $344M | 2.04% | 18.82% | 4.43% |
| 2026-06-30 | $460M | $399M | $334M | 1.93% | 17.69% | 4.31% |
| 2026-03-31 | $459M | $399M | $321M | 1.91% | 17.66% | 4.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $222.2M | 0.18% | 84 | Continuing · +0.01 pp |
| TN | $164.6M | 0.07% | 129 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.