United Cumberland Bank is a bank based in Whitley City, Kentucky, established in 1906, with $459 million in total assets across 7 branches. By Trust Grade it ranks 23rd of 120 banks we track in Kentucky. Its capital ratio of 10.8% is stronger than 60% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.91% return on assets. No consumer complaints against United Cumberland Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Cumberland Bank compares to Kentucky peers
How we graded United Cumberland Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.8% capital ratio)
- Strongly profitable (ROA 1.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Cumberland Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 3995 S Highway 27, Pine Knot, KY 42635
- 1385 North Highway 27, Whitley City, KY 42653
- 567 Howard H. Baker Highway, Huntsville, TN 37756
- 47 S Main St, Whitley City, KY 42653
- 106 Municipal Dr, Oneida, TN 37841
- 2828 Appalachian Hwy, Jacksboro, TN 37757
- 2568 S Highway 27, Somerset, KY 42501
Are deposits at United Cumberland Bank insured?
Yes. United Cumberland Bank is an FDIC-insured bank (FDIC certificate #303). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Cumberland Bank: frequently asked questions
Is United Cumberland Bank a good bank?
United Cumberland Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.8% capital ratio); Strongly profitable (ROA 1.91%).
Is United Cumberland Bank FDIC-insured?
Yes. United Cumberland Bank is a FDIC-insured bank (FDIC certificate #303). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is United Cumberland Bank?
United Cumberland Bank holds $459 million in total assets, ranking 23rd of 120 banks we track in Kentucky. It operates 7 branches.
Does United Cumberland Bank have CFPB complaints?
No CFPB complaints against United Cumberland Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
