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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