Total Assets
$460.2M
Total Deposits
$399.3M
Branches
7
Established
1906
United Cumberland Bank is a bank headquartered in Whitley City, Kentucky, established in 1906. It holds $460.2M in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, United Cumberland Bank earns a TFS Financial Health Grade of B+ (85.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
85.5 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| United Cumberland BankHQ | 47 S Main St | Whitley City | KY | 11 |
| United Cumberland Bank | 3995 S Highway 27 | Pine Knot | KY | 11 |
| United Cumberland Bank | 2568 S Highway 27 | Somerset | KY | 11 |
| United Cumberland Bank | 1385 North Highway 27 | Whitley City | KY | 11 |
| United Cumberland Bank | 567 Howard H. Baker Highway | Huntsville | TN | 11 |
| United Cumberland Bank | 2828 Appalachian Hwy | Jacksboro | TN | 11 |
| United Cumberland Bank | 106 Municipal Dr | Oneida | TN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
85.5
Tier 1 capital ratio
11.47%
Return on assets
1.93%
Non-performing loans
1.39%
Efficiency ratio
58.25%
Asset growth (YoY)
3.09%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.