United Cumberland Bank

47 South Main Street
Whitley City, KY 42653

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.65% 2.20% →
2-Year CD 1.38% 2.20% →
5-Year CD 1.61% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

United Cumberland Bank is an FDIC insured institution located in Whitley City, KY. It was founded in 1906 and has approximately $0.3 billion in assets. Customers can open an account at one of its 7 branches.

FDIC Insured Yes
FDIC Certificate # 303
Date Established 1906
Assets $0.30 billion
Loans $0.20 billion
Deposits $0.24 billion
Capital $0.04 billion

For a more detailed analysis of United Cumberland Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,500 $9,999 Learn MoreShow Less
Money Market
0.12% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 - Learn MoreShow Less
3 Mo CD
0.20% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.25% $1,000 $99,999 Learn MoreShow Less
0.65% $1,000 $99,999 Learn MoreShow Less
0.55% $1,000 $99,999 Learn MoreShow Less
1.38% $1,000 $99,999 Learn MoreShow Less
1.16% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.26% $1,000 $99,999 Learn MoreShow Less
1.41% $1,000 $99,999 Learn MoreShow Less
1.61% $1,000 $99,999 Learn MoreShow Less

Fixed IRA
1.26% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.07% $1 $999 Learn MoreShow Less
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Cumberland Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.156% 3.125% 0.38 $978 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to United Cumberland Bank
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Financial Details

United Cumberland Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Cumberland Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Cumberland Bank U.S. Bank Average
17.04% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, United Cumberland Bank had $5,681,000 in non-current loans and $1,578,000 in owned real estate. To cover these potential losses it had $39,691,000 in equity and $2,897,000 in loans loss reserves. That gives it a Texas Ratio of 17.04%.

Return on Equity
United Cumberland Bank U.S. Bank Average
14.59% 9.72%

United Cumberland Bank has a Return on Equity of 14.59% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

United Cumberland Bank U.S. Bank Average
13.35% 12.89%

United Cumberland Bank has a Capitalization of 13.35% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Cumberland Bank Balance Sheet Analysis

As of September 30, 2019, United Cumberland Bank had assets of $297,275,000, loans of $196,005,000, and deposits of $241,348,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.20 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.26 billion
Total deposits $0.24 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.24 billion
      % insured (estimated) 87.58%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.26 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in United Cumberland Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Kentucky, United Cumberland Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 42.09
Credit Card Loans 0.00
Consumer Auto Loans 5.10
Small Business Loans 0.00
Construction and Development Loans 6.24
Commercial Real Estate 20.78
Commercial and Industrial Loans 11.95
Farm Loans 0.00

Frequently Asked Questions About United Cumberland Bank

Branches and Savings

Is United Cumberland Bank FDIC insured?

Yes. It is covered under FDIC Certificate #303.

Why does United Cumberland Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Cumberland Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Cumberland Bank a commercial bank?


Where are United Cumberland Bank locations?

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Does United Cumberland Bank require US citizenship to open account?

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Does United Cumberland Bank offer mortgages?

Compare mortgage rates here.

Does United Cumberland Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Cumberland Bank offer personal loans?

Compare personal loan rates here.

Does United Cumberland Bank offer student loans?

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Background on The Bank

Who owns United Cumberland Bank?

How long has United Cumberland Bank been around?

Can United Cumberland Bank transfer to other banks?

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