# UNITED CUMBERLAND BANK
WHITLEY CITY, KY · FDIC certificate 303 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $460.2M | |
| Deposits | $399.3M | |
| Loans and leases | $338.3M | |
| Total equity | $50.8M | |
| Loans / deposits | 83.53% (p55 of band) | 82.04% |
| Liquid assets / assets | 23.14% (p44 of band) | |
| Uninsured deposits / deposits | 23.73% (p42 of band) | 25.97% |
| Brokered deposits | 0.87% | |
| Wholesale funding | 2.69% (p46 of band) | |
| FHLB advances / assets | 1.12% | |
| Tier 1 leverage | 11.47% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | -5.18% (p62 of band) | -8.10% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 1.93% (p85 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 58.25% (p41 of band) | |
| Noncurrent loans | 1.39% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 100.28% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 54.93% (p60 of band) | |
| Auto loans | $9.2M (2.70% of loans; DQ 2.47%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 92 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2012-09 | 1 |  | deposits shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 | capital falling | charge-offs p90 |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 1 |  | capital falling, charge-offs p90 |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-12 | 1 |  | noncurrent p90 |
| 2022-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 3 |  | securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 2 |  | capital falling, charge-offs p90 |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 2 | capital falling | noncurrent p90, charge-offs p90 |
| 2025-03 | 3 | noncurrent p90 |  |
| 2025-06 | 2 |  | noncurrent p90 |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 1 | reserve under noncurrent | capital falling |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-05-23 [Laxton named president/CEO at United Cumberland Bank - The Mountain Press](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQT3lQM1RYN3NMNU5INFpiQzhMNThnb0kyUDJWRk4xZzBwbUNkN2U4ZzA0NG14eDZjdTJTY0JFNEp4Y2dQbUlxUnNCMGJiWnk1S3FTS0xBZ3lLMzgxM3JZSng3UUUtMW13eDd4VWNFcjdJc3ZKLWE2TmF2ZTF0MXo5a0JOT1BXbDVZQjNES3RBRWQxeUR4TkRmT3NzOHVSeHlfWEJMNGZESWJ2eUtqQkt1YkJBdFdqYWE4LXVGWTBWeVJqTmktbXFyUm5WUkNraFdOamFwM3hEdTJPbk1vWWNr?oc=5) · The Mountain Press
- 2023-08-04 [Team United Cumberland Bank takes home second place at United Way of South Central Kentucky golf scramble - somerset-kentucky.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxPelZtNXdVS2ZhV0t6X1BJVnFvTDFZOUxpekFYTDN3MnVjS1oyYU9wZVUwR0FaMmZYdWpUdjZjWUZVa3B2TTZacDRuTUNnaEtLU2ROOFlqVDY2dFF4MzdYdVlsYnRJYVh5aDhQMnVqc3lxQXVqbkdaRnhiUExDaERQSTVlb2hYWnBGWU1WVkVNY2x2R2hkd3RORmFQYTlDYmQ4Tng5RmpaUlVKMlgzckFjeHJIRHhtNU5DQlFvd2E0cjc5c3VZM0d4ZEhSWFRBdl96akVBVmZlejhMV0xxTy10MVFxeVpDckkzbXFLY0hCX2VXUVR1REhBeW5FQ1hOWVpOSkI1bHI4UXhOYzlm?oc=5) · somerset-kentucky.com
- 2025-11-22 [Oneida - ihoneida.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTFA4QkJNSWs2NkFTdVY5ajVYUkl1MC1URmx0b3p5NW5FQ0xEY1NYU0N5d0huT0FEWV84c044SmMzbXN2OWctYXhSNUcwYmJ4Vm1fMU9yRjB3?oc=5) · ihoneida.com
- 2026-04-20 [Alum Fire in McCreary County Over 70% Contained - Z93 Country](https://news.google.com/rss/articles/CBMiX0FVX3lxTE13S29YbUZNLU9UQUlQRHhockIybEY5RklBMlVhSjlLNDBjckRaWGthQ1ZWM2Z5MXlxNmpWYTJ0WEFQZVI1Wk1Xc2xDb05sRHFRSmhXc3Nqemd0bmlyNmJj?oc=5) · Z93 Country
- 2024-05-06 [37 are members of Leadership Lake Cumberland Class of 2024 - The Lane Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxOWjZwYjRkVHFDRUU5bEJGSGVUMGw5bEE3NktNREpLb1UyNklnVUNyUzR4aUpxNkNPaTlsWDA3aUxFTnRSVjRwMjNNdzFUU1B3M1JLNWpZTjBlNDNtOFRkV2ZqVXhEcE1ITkhlMDk3WDI2NG5aWVFIUF85SzZzTllYVlFZMHBmS0VqSGRENnVMVjJmby0yRXdKVmNPZ3pVMGhGRi1R?oc=5) · The Lane Report
- 2024-08-22 [James Laxton Obituary (2024) - Oneida, TN - West-Murley Funeral Home - Oneida - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPQ09VNVNmRGhoVFlVM1E5Q21GMEFuOS1PMjMtR094SEY4RWZ0SXpvNWJUX29faURNbWwyV1hDb0NGbElNaFV4LVNwVzVxdWwySDRRSUpnMDlORVUxLUZzMXNhTmN2NFRjN09VTUtGS0JoWVNwQWYwZFBfWFAxcjBCVw?oc=5) · Legacy obituary
- 2023-08-20 [Imagination Library receives donations from local organizations | Community - somerset-kentucky.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOdjJYUmhEZDdCOUpXRlRVYVpZWjRxQWhTS3JqLWIyT05odXQwSkZFblJFMG1Qa1VqZER6X3p3ZXpFaUMtcnVsWE1rRVExMEFaVzRFbC1QZmNlV3M2UU8yd19nYlZocU0wYUJZeF9wQTZ3WnhreFhHZ0RSc3ZSZ3YzUVZOWWViTWNKN0ZUSmR3SU9DSlZucWZtZkNlVDBTOEppTmNka2hUVXhfM3RjYlRyQS0yZFRpSVhJVFh1ME5NWVJNNW1nNmRFUlVSeGs0UVpXME9DM3ZUWXJvdF9KRjFTV1QzZDU5S0IzczIxQ3Bn?oc=5) · somerset-kentucky.com
- 2021-01-28 [Roger West Obituary (1937 - 2021) - Oneida, TN - Knoxville News Sentinel - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPbXFEb3FlNzFpdXk4cEkwNWxoNnRuNTY4Vl9xTG1CSnpibnY2LTR0MTZ4OFdtRjZFbEFSRzFZdU85YzJieHlrTGI4c0l1Q2pNalc3NDhucFlCMzZNUlYwQ0phQ1lMeHVBWjg3NnM2Zkl0MFY1RUYtNFVpajVrcm9xOXdHS2ZpMW9V?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=303 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "303", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide