🏦Bank Scorer

UNITED CUMBERLAND BANK

WHITLEY CITY, KY · Supervised by FDIC

Est. 1906FDIC #303RSSD: FDIC-303
Part ofMCCREARY BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.91%

Institution Profile

FDIC BankFind

Address

47 S Main St, WHITLEY CITY, KY

County

Mccreary County

Established

January 1, 1906

Total Assets

$459M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$459M

Total Deposits

$399M

Net Loans

$321M

Net Income

$2M

ROA

1.91%

ROE

17.66%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.48%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$387M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202428383.75%8.48%
202329477.89%11.56%
202228774.56%15.68%
202139670.45%15.91%
202045769.37%16.63%
201935368.84%14.73%
201828979.24%11.07%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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