United Cumberland Bank (FDIC #303): Bank Stress & Real-Estate Credit Exposure
United Cumberland Bank (FDIC Cert #303): bank stress 48/100, moderate, STABLE over 7 days; parent MCCREARY BANCSHARES INC.
United Cumberland Bank (#303) lends in 4 counties across 2 states; United Cumberland Bank (#303) reaches 37 ZIP codes: Kentucky 2 counties, 19 ZIPs; Tennessee 2 counties, 18 ZIPs.
United Cumberland Bank (#303) largest markets: Pulaski County, KY (11 branches, 11 ZIPs) (#303), Campbell County, TN (11 branches, 11 ZIPs) (#303), Scott County, TN (18 branches, 9 ZIPs) (#303), Mccreary County, KY (24 branches, 8 ZIPs) (#303).
United Cumberland Bank (#303) reports $460.2 million in total assets; United Cumberland Bank (#303) equity $50.8 million (11.0% of United Cumberland Bank (#303) assets); United Cumberland Bank (#303) domestic deposits $399.3 million; United Cumberland Bank (#303) net income $4.4 million; United Cumberland Bank (#303) return on assets 1.93%; United Cumberland Bank (#303) return on equity 17.69%; United Cumberland Bank (#303) net interest income $9.3 million; United Cumberland Bank (#303) call report June 30, 2026.
United Cumberland Bank (#303) noncurrent real-estate loans: none reported; United Cumberland Bank (#303) residential -0.03%; United Cumberland Bank (#303) net charge-offs on real estate 1.43%; United Cumberland Bank (#303) multifamily charge-offs 1.90%; United Cumberland Bank (#303) residential charge-offs 0.83%.
United Cumberland Bank (#303) net interest margin 4.31% against an eight-quarter United Cumberland Bank (#303) average of 4.24% (United Cumberland Bank (#303) compression -0.07 points); United Cumberland Bank (#303) non-residential real estate 82.5% of equity; United Cumberland Bank (#303) rate-exposure score 40/100, United Cumberland Bank (#303) fixed-rate trap 40/100; United Cumberland Bank (#303) risk type credit driven; United Cumberland Bank (#303) rate regime rates elevated, United Cumberland Bank (#303) snapshot October 20, 2026.
United Cumberland Bank (#303) stress score moved from 48.2 on June 22, 2026 to 48.3 on October 20, 2026; United Cumberland Bank (#303) ranged 48.2 to 48.3 over 117 snapshots.
United Cumberland Bank (#303) alerts: 4 counties; top United Cumberland Bank (#303) alert scores: Jacksboro County, KY 19 (low); Oneida County, KY 19 (low); Somerset County, KY 19 (low); Whitley City County, KY 19 (low).