United Cumberland Bank

47 South Main Street
Whitley City, KY 42653

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 303
Date Established 1906
Assets $0.29 billion
Loans $0.18 billion
Deposits $0.24 billion
Capital $0.04 billion

United Cumberland Bank is an FDIC insured institution located in Whitley City, KY. It was founded in 1906 and has approximately $0.29 billion in assets. Customers can open an account at one of its 6 branches.

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.

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, United Cumberland Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 44.25
Multifamily
Mortgages
2.88
Credit Card Loans 0.00
Consumer Auto Loans 4.73
Small Business Loans 9.31
Construction and Development Loans 5.56
Commercial Real Estate 19.37
Commercial and Industrial Loans 11.30
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.27% $1,000 $99,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $25 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.51% $25 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1,500 $9,999 Learn MoreShow Less
MM 10K
0.12% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.17% $25,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $999 Learn MoreShow Less
Int Ckg 2.5K
0.10% $2,500 - Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to United Cumberland Bank
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Branches

United Cumberland Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Cumberland Bank Locations

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
9.89% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, United Cumberland Bank had $2,966,000 in non-current loans and $827,000 in owned real estate. To cover these potential losses it had $35,545,000 in equity and $2,813,000 in loans loss reserves. That gives it a Texas Ratio of 9.89%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
United Cumberland Bank U.S. Bank Average
13.18% 8.58

United Cumberland Bank has a Return on Equity of 13.18% versus the BestCashCow average of 8.58. 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.

Capitalization
United Cumberland Bank U.S. Bank Average
12.29% 12.11

United Cumberland Bank has a Capitalization of 12.29% versus the BestCashCow average of 12.11. 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 June 30, 2017, United Cumberland Bank had assets of $289,108,000, loans of $184,365,000, and deposits of $235,555,000. 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.

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?

Yes

Where are United Cumberland Bank locations?

See branch locations nearby.

Is United Cumberland Bank open on Saturdays?

Is United Cumberland Bank open on Sundays?

What time does United Cumberland Bank open?

What time does United Cumberland Bank close?

Are United Cumberland Bank ATMs Open 24/7?

Do United Cumberland Bank ATMs accept cash deposits?

Can United Cumberland Bank customers use other ATMs?

Do United Cumberland Bank branches have notaries?

Will United Cumberland Bank notarize my document?

What address for United Cumberland Bank should I put for incoming ACH transfers?

Will the United Cumberland Bank branch print checks?

Do United Cumberland Bank checks expire?

Does United Cumberland Bank require US citizenship to open account?

Can United Cumberland Bank close my account?

Does United Cumberland Bank Report to credit bureaus?

Does United Cumberland Bank Use Equifax?

What is United Cumberland Bank's ACH Routing Number?

What is United Cumberland Bank's SWIFT code?

Products

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?

Will United Cumberland Bank cash a check?

Will United Cumberland Bank redeem a savings bond?

Does United Cumberland Bank cash savings bonds?

Will United Cumberland Bank cash money orders?

Can United Cumberland Bank issue a money order?

Does United Cumberland Bank do currency exchange?

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?

Does United Cumberland Bank have quick pay?

Does United Cumberland Bank accept rolled coins?

Will United Cumberland Bank accept loose change?

Where is United Cumberland Bank headquarters?

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