MCCREARY BANCSHARES INC is the bank holding company. UNITED CUMBERLAND BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

MCCREARY BANCSHARES INC

Legal name: MCCREARY BANCSHARES INC.

1 active bank · 1 merged/absorbed · $459M combined assets

RSSD ID: 1071342 (FFIEC NIC)

Combined Assets

$459M

CRA Rating Summary

Outstanding1charter

Across all 16 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankUNITED CUMBERLAND BANKWHITLEY CITY, KYOutstanding$459MView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$459M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$399M

Net Income

$2M

ROA (avg)

1.91%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

283

Origination Rate

83.75%

Denial Rate

8.48%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNITED CUMBERLAND BANK	WHITLEY CITY, KY	FDIC	$459M	100.0%	Outstanding	Mar 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.