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
Unfavorable gap of $6.9M · efficiency ratio beats 86% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.83% | 1.18% | 1.44% | Beats 80% | 14 / 69 | | |
| Return on Equity | 17.43% | 7.64% | 11.70% | 15.70% | Beats 86% | 10 / 69 | | |
| Net Interest Margin | 3.22% | 3.45% | 3.75% | 3.96% | Beats 13% | 60 / 69 | | |
| Efficiency Ratio | 49.97% | 55.32% | 62.99% | 70.80% | Beats 86% | 11 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.18% | 0.52% | 1.14% | Beats 84% | 12 / 69 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 70% | 22 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 11.33% | 13.58% | 16.27% | Beats 22% | 54 / 69 | | |
| Total Risk-Based Capital Ratio | 11.01% | 11.55% | 14.43% | 17.27% | Beats 20% | 55 / 69 | | |
| Equity / Assets | 8.80% | 8.31% | 9.91% | 12.53% | Beats 29% | 49 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.83% | 71.40% | 81.07% | 88.03% | 30th pctl | 48 / 69 | | |
| Loans / Assets | 62.89% | 61.10% | 68.66% | 76.68% | 32nd pctl | 47 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |