Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$459M
Total Deposits
$399M
Net Loans
$321M
Net Income
$2M
ROA
1.91%
Above avg for Small banks. Peer avg: 0.44%
ROE
17.66%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 283 | 83.75% | 8.48% |
| 2023 | 294 | 77.89% | 11.56% |
| 2022 | 287 | 74.56% | 15.68% |
| 2021 | 396 | 70.45% | 15.91% |
| 2020 | 457 | 69.37% | 16.63% |
| 2019 | 353 | 68.84% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2025 | Outstanding | Small Bank |
| Jun 2022 | Outstanding | Small Bank |
| Jun 2019 | Outstanding | Small Bank |
7 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
7
Branch Deposits
$387M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/united-cumberland-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 14.73% |
| 2018 | 289 | 79.24% | 11.07% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red