PackageTrendsPeer
Letter portraitLegal landscape

United Community Bank of West Kentucky, Inc.

Morganfield, KY · Cert 57301 · United Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Community Bank of West Kentucky, Inc.

Morganfield, KY · Cert 57301 · United Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$524.9MAssets
$330.1MLoans
$447.1MDeposits
$46.2MEquity
Loan mix
67%RE $211.1M28%C&I $87.8M6%Consumer $17.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $366.9M18%Noninterest $80.2MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.85%Q2 ’255.05%Q2 ’26+16%+19%

Non-interest income vs. expense

1.80%Q2 ’241.80%Q2 ’251.91%Q2 ’26+5%+7%

Executive Summary

  • Earnings: ROA of 1.53%, up 33 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.11% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.01%, down 2 bps from a year ago.
  • Funding: loans stand at 73.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+52 bps YoY

Efficiency Ratio (YTD, annualized)

49.81%-495 bps YoY

Tier 1 Leverage Ratio

11.01%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.27%1.29%1.48%1.53%+33 bps
Return on Equity16.07%16.48%16.51%18.27%18.35%+228 bps
Net Interest Margin2.70%2.76%2.78%3.19%3.22%+52 bps
Efficiency Ratio54.76%53.30%52.11%50.44%49.81%-495 bps
Non-Interest Burden1.21%1.19%1.16%1.32%1.30%+9 bps
Growth
Asset Growth (YoY)6.17%9.07%8.37%7.24%6.81%+64 bps
Loan Growth (YoY)8.87%13.44%16.03%18.51%16.37%+750 bps
Deposit Growth (YoY)9.11%13.00%5.79%5.67%3.85%-526 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.05%0.13%0.11%+5 bps
Net Charge-Offs / Loans0.05%0.03%0.03%0.01%0.01%-4 bps
Allowance / Loans1.19%1.11%1.09%1.06%1.08%-11 bps
Allowance Coverage of NPLs22.1x20.2x21.6x8.4x10.1x-12.0x
Capital
Tier 1 Leverage Ratio11.03%11.23%10.80%10.70%11.01%-2 bps
Total Risk-Based Capital11.03%11.23%10.80%10.70%11.01%-2 bps
Equity / Assets7.52%8.25%8.21%8.03%8.80%+127 bps
Liquidity & Funding
Loans / Deposits65.88%68.65%71.61%72.91%73.83%+794 bps
Liquid Assets / Assets1.75%1.21%0.70%0.52%0.45%-130 bps
CRE / Total Capitaln/a136.46%159.32%161.60%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Community Bank of West Kentucky, Inc.

Morganfield, KY · Cert 57301 · Peer group: banks under $1B in assets in KY (n=69) · United Cmty Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$524.9MAssets
$330.1MLoans
$447.1MDeposits
$46.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets in KY (rank 10 of 69).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets in KY (rank 60 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 14 of 69

Net Interest Margin

3.22%

Rank 60 of 69

Efficiency Ratio

49.97%

Rank 11 of 69

Equity / Assets

8.80%

Rank 49 of 69

Non-interest income vs. expense

$3.2M$10.1MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 86% of banks under $1B in assets in KY
Bank 49.97%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.83%1.18%1.44%Beats 80%14 / 69
Return on Equity17.43%7.64%11.70%15.70%Beats 86%10 / 69
Net Interest Margin3.22%3.45%3.75%3.96%Beats 13%60 / 69
Efficiency Ratio49.97%55.32%62.99%70.80%Beats 86%11 / 69
Asset Quality
Nonperforming Loans / Loans0.11%0.18%0.52%1.14%Beats 84%12 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 70%22 / 69
Capital
Tier 1 Capital Ratio11.01%11.33%13.58%16.27%Beats 22%54 / 69
Total Risk-Based Capital Ratio11.01%11.55%14.43%17.27%Beats 20%55 / 69
Equity / Assets8.80%8.31%9.91%12.53%Beats 29%49 / 69
Liquidity & Funding
Loans / Deposits73.83%71.40%81.07%88.03%30th pctl48 / 69
Loans / Assets62.89%61.10%68.66%76.68%32nd pctl47 / 69
Brokered Deposits / Depositsn/aNot reported for this institution