BlastPoint's Banking Scorecard
United Community Bank of West Kentucky, Inc.
Morganfield, KY
6 branches across KY
United Community Bank of West Kentucky, Inc. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 14.84% below tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.3% in tier
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$529.0M
+7.2% YoY
+1.1% QoQ
|
+$142.9M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$329.7M
+18.7% YoY
+3.8% QoQ
|
+$74.0M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$457.0M
+5.7% YoY
+2.0% QoQ
|
+$129.1M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.48%
+30.0% YoY
+15.4% QoQ
|
+0.21% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
3.39%
+21.5% YoY
+11.0% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
50.44%
-9.2% YoY
-3.2% QoQ
|
-14.84% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.13%
+54.2% YoY
+150.3% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
72.13%
+12.3% YoY
+1.8% QoQ
|
-4.50% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
18.21%
+2.3% YoY
-1.4% QoQ
|
-3.81% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.08%
+70.7% YoY
+157.1% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
10.70%
-2.0% YoY
-0.9% QoQ
|
-5.13% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.15%
+0.4% YoY
-75.2% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
72% |
Get Full Access to United Community Bank of West Kentucky, Inc.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.