United Cumberland Bank: how it compares with its peers
Against 55 KY banks with half to twice its assets, United Cumberland Bank's strongest measure in Q2 2026 is return on assets (1.93% vs. a 1.29% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $6.1M).
| Measure | United Cumberland Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 1.29% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.31% | 3.92% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.25% | 58.31% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.1M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.53% | 83.93% | Context |
What it means for lending operations
Its efficiency ratio of 58.25% is better than the 58.31% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Meade County Bank Brandenburg, KY · $458M
- The Lincoln National Bank of Hodgenville Hodgenville, KY · $454M
- Pbt Bancorp Hazard, KY · $473M
- The First National Bank of Russell Springs Russell Springs, KY · $475M
- Morgantown Bank & Trust Company, Incorporated Morgantown, KY · $440M
- Eclipse Bank, Inc. Louisville, KY · $486M
Questions about United Cumberland Bank
How big is United Cumberland Bank?
United Cumberland Bank, established in 1906, is headquartered in Whitley City, KY. It reported $460M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is United Cumberland Bank's return on assets?
1.93% annualized in Q2 2026, against a 1.29% median for 55 KY banks with half to twice its assets, ahead of 91% of them.
What is United Cumberland Bank's efficiency ratio?
58.25% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.31%, and lower is better.
Is United Cumberland Bank growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 3.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.