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United Cumberland Bank
✓ FDIC-insured · Active FDIC Certificate #303
United Cumberland Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Whitley City, Kentucky, established in 1906. As of the 06/30/2026 FDIC call report, it reported $460M in total assets and $399M in deposits. FDIC location data lists 7 offices across 2 states and territories, with the most in Kentucky (4). The FDIC classifies it as a community bank. It is owned by the holding company MCCREARY BANCSHARES INC (Whitley City, KY).
Financial data as of the 06/30/2026 FDIC call report.
Branches by state
United Cumberland Bank has offices in 2 states and territories. Counts come from the FDIC's institution location records.
| State | Offices | Share |
|---|---|---|
| Kentucky | 4 | 57.1% |
| Tennessee | 3 | 42.9% |
Branch locations
| United Cumberland Bank Pine Knot Branch · Full Service - Brick And Mortar | 3995 S Highway 27 Pine Knot, KY 42635 Map ↗ |
| United Cumberland Bank North Side Branch · Full Service - Brick And Mortar | 1385 North Highway 27 Whitley City, KY 42653 Map ↗ |
| United Cumberland Bank United Cumberland Bank · Full Service - Brick And Mortar | 47 S Main St Whitley City, KY 42653 Map ↗ |
| United Cumberland Bank Somerset Branch · Full Service - Brick And Mortar | 2568 S Highway 27 Somerset, KY 42501 Map ↗ |
| United Cumberland Bank Huntsville Branch · Full Service - Brick And Mortar | 567 Howard H. Baker Highway Huntsville, TN 37756 Map ↗ |
| United Cumberland Bank First Trust And Savings Branch · Full Service - Brick And Mortar | 106 Municipal Dr Oneida, TN 37841 Map ↗ |
| United Cumberland Bank Jacksboro Main Office Branch · Full Service - Brick And Mortar | 2828 Appalachian Hwy Jacksboro, TN 37757 Map ↗ |
Holding company: MCCREARY BANCSHARES INC
The FDIC lists MCCREARY BANCSHARES INC, based in Whitley City, KY, as the top holding company for United Cumberland Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Kentucky
Active FDIC-insured banks headquartered in Kentucky with total assets closest to United Cumberland Bank's $460M. See all banks in Kentucky.
United Cumberland Bank: common questions
Is United Cumberland Bank FDIC-insured?
Yes. United Cumberland Bank is an active FDIC-insured institution, FDIC Certificate #303. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is United Cumberland Bank headquartered?
United Cumberland Bank is headquartered at 47 S Main St, Whitley City, KY 42653, according to FDIC records.
How many branches does United Cumberland Bank have?
FDIC location data lists 7 offices for United Cumberland Bank in 2 states and territories. The most are in Kentucky (4), followed by Tennessee (3).
Who owns United Cumberland Bank?
The FDIC lists MCCREARY BANCSHARES INC of Whitley City, KY as the top holding company for United Cumberland Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.