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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 $17.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $366.9M18%Noninterest $80.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.57%, up 32 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.11% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.57%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+45 bps YoY

Efficiency Ratio (quarter, annualized)

49.21%-481 bps YoY

Tier 1 Leverage Ratio

11.01%-2 bps YoY

NIM

4.72%Q2 ’244.98%Q2 ’255.15%Q2 ’26+19%+16%

Non-interest income vs. expense

1.79%Q2 ’241.84%Q2 ’251.92%Q2 ’26+11%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.05%1.14%1.26%1.40%1.35%1.48%1.57%+32 bps
Return on Equity12.52%13.08%15.31%16.75%17.74%16.35%18.27%18.71%+196 bps
Net Interest Margin2.38%2.44%2.62%2.82%2.94%3.10%3.19%3.28%+45 bps
Efficiency Ratio58.41%58.01%55.56%54.02%50.65%49.01%50.44%49.21%-481 bps
Non-Interest Burden1.09%1.15%1.19%1.25%1.17%1.19%1.32%1.29%+4 bps
Growth
Asset Growth (YoY)4.18%6.95%9.12%6.17%9.07%8.37%7.24%6.81%+64 bps
Loan Growth (YoY)12.55%13.16%12.75%8.87%13.44%16.03%18.51%16.37%+750 bps
Deposit Growth (YoY)-0.12%11.14%9.55%9.11%13.00%5.79%5.67%3.85%-526 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.13%0.08%0.05%0.05%0.05%0.13%0.11%+5 bps
Net Charge-Offs / Loans0.01%0.04%0.09%0.00%0.01%0.01%0.01%0.00%0 bps
Allowance / Loans1.26%1.23%1.19%1.19%1.11%1.09%1.06%1.08%-11 bps
Allowance Coverage of NPLs7.0x9.4x14.6x22.1x20.2x21.6x8.4x10.1x-12.0x
Capital
Tier 1 Leverage Ratio11.54%11.04%10.92%11.03%11.23%10.80%10.70%11.01%-2 bps
Total Risk-Based Capital11.54%11.04%10.92%11.03%11.23%10.80%10.70%11.01%-2 bps
Equity / Assets8.58%7.43%7.48%7.52%8.25%8.21%8.03%8.80%+127 bps
Liquidity & Funding
Loans / Deposits68.38%65.29%65.01%65.88%68.65%71.61%72.91%73.83%+794 bps
Liquid Assets / Assets0.18%2.82%4.27%1.75%1.21%0.70%0.52%0.45%-130 bps
CRE / Total Capitaln/an/an/an/a136.46%159.32%161.60%n/an/a