United Cumberland Bank
Headquarters: Whitley City, Kentucky
Overview
United Cumberland Bank is an FDIC-insured bank headquartered in Whitley City, Kentucky. It reported $459.48M in assets and $399.20M in deposits for the period ending March 31, 2026. Bankular currently lists 7 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where United Cumberland Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of United Cumberland Bank
First Trust and Savings
106 Municipal Dr, Oneida, Tennessee, 37841
Full-service branch · Opened September 9, 1923
Huntsville Branch
567 Howard H. Baker Highway, Huntsville, Tennessee, 37756
Full-service branch · Opened September 19, 1988
Jacksboro Main Office
2828 Appalachian Hwy, Jacksboro, Tennessee, 37757
Full-service branch · Opened September 12, 2007
Main Office
47 S Main St, Whitley City, Kentucky, 42653
Full-service branch · Opened January 1, 1906
North Side
1385 North Highway 27, Whitley City, Kentucky, 42653
Full-service branch · Opened August 4, 1980
Pine Knot Branch
3995 S Highway 27, Pine Knot, Kentucky, 42635
Full-service branch · Opened June 12, 1967
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $459.48M | $399.20M | $320.58M | 1.91% |
| December 31, 2025 | $453.79M | $394.33M | $314.51M | 1.84% |
| September 30, 2025 | $448.23M | $389.12M | $311.64M | 1.78% |
| June 30, 2025 | $446.38M | $386.83M | $306.49M | 1.67% |
| March 31, 2025 | $432.96M | $374.59M | $301.46M | 1.61% |
| December 31, 2024 | $424.43M | $367.43M | $300.63M | 1.77% |
| September 30, 2024 | $415.70M | $362.58M | $291.23M | 1.73% |
| June 30, 2024 | $402.13M | $352.04M | $278.67M | 1.79% |
Size and reach
How this institution compares
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More on United Cumberland Bank
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Branch locations
7 listed locations.
Explore →Compare this institution
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Explore →State banking market
Explore institutions and deposit-market context in Kentucky.
Explore →Whitley City banking market
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is United Cumberland Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 303.
Where is United Cumberland Bank headquartered?
United Cumberland Bank is headquartered in Whitley City, Kentucky, at 47 S Main St, Whitley City, Kentucky, 42653.
How large is United Cumberland Bank?
It reported $459.48M in assets and $399.20M in deposits for the period ending March 31, 2026.
How many locations does United Cumberland Bank have?
Bankular currently lists 7 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.