SBA lender profile
United Cumberland Bank
United Cumberland Bank appears in the public SBA loan data with 21 funded 7(a) loans since FY2010, totaling $12.3M, an average of $587K per loan, and an estimated 332 jobs supported. Its SBA lending concentrates in Kentucky and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 9.5%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 57
- Scale 12
- Activity 30
- Consistency 57
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is United Cumberland Bank the right lender for you?
Lenders fund what they know. United Cumberland Bank's SBA lending concentrates in Kentucky (13 loans) and Manufacturing (4 loans), at an average loan of $587K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $459M
- Headquarters
- Whitley City, KY
- FDIC cert
- #303
- Status
- Active
Where United Cumberland Bank lends
Top states by funded SBA volume.
What United Cumberland Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 4 | $4.8M |
| Retail Trade | 4 | $3.0M |
| Agriculture, Forestry, Fishing | 1 | $1.4M |
| Finance and Insurance | 2 | $773K |
| Health Care and Social Assistance | 2 | $756K |
| Transportation and Warehousing | 3 | $572K |
United Cumberland Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $675K |
| 2012 | 1 | $450K |
| 2014 | 2 | $3.2M |
| 2015 | 5 | $1.4M |
| 2016 | 3 | $565K |
| 2017 | 2 | $1.6M |
| 2020 | 1 | $1000K |
| 2022 | 2 | $1.9M |
| 2024 | 4 | $1.6M |
Related SBA lenders
Other lenders active in Kentucky or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
United Cumberland Bank: frequently asked questions
Does United Cumberland Bank offer SBA loans?
Yes. United Cumberland Bank appears in the public SBA data with 21 funded SBA 7(a) loans totaling $12.3M.
How many SBA loans has United Cumberland Bank made?
United Cumberland Bank is associated with 21 SBA 7(a) loans totaling $12.3M in the public SBA data (as of 2026-03-31).
What is United Cumberland Bank's SBA charge-off rate?
About 9.5% of United Cumberland Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does United Cumberland Bank do most of its SBA lending?
United Cumberland Bank's SBA lending in the data is most concentrated in Kentucky, and by industry in Manufacturing.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). United Cumberland Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/united-cumberland-bank/
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