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United Community Bank of West Kentucky, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 57301

Morganfield, KY

6 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +3.8% year over year ($447.1M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.53%.
  • Efficiency ratio 49.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

United Community Bank of West Kentucky, Inc. has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.21% above tier average
  • + Efficiency Ratio 14.67% below tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.9% in tier
  • - Net Interest Margin 0.54% below tier average
Get updates when United Community Bank of West Kentucky, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $524.9M
+6.8% YoY -0.8% QoQ
+$138.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $326.5M
+16.5% YoY -1.0% QoQ
+$68.2M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $447.1M
+3.8% YoY -2.2% QoQ
+$120.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.53%
+27.4% YoY +3.2% QoQ
+0.21% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.45%
+18.2% YoY +1.7% QoQ
-0.54% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 49.81%
-9.0% YoY -1.3% QoQ
-14.67% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.11%
+99.2% YoY -14.9% QoQ
-0.81% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 73.03%
+12.2% YoY +1.2% QoQ
-4.92% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 17.94%
+2.3% YoY -1.5% QoQ
-4.09% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.07%
+117.2% YoY -15.0% QoQ
-0.60% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 11.01%
-0.2% YoY +2.9% QoQ
-4.90% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.31%
+3.8% YoY +109.1% QoQ
-0.26% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 17.9%
+0.4pp YoY
-0.3pp QoQ
 -4.2pp 22.1% 23.5% 22.2% 36%
Brokered Deposits 7.8%
+2.3pp YoY
+2.2pp QoQ
 0.0pp 7.9% 5.4% 8.5% 68%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 23.2%
+3.5pp YoY
-3.4pp QoQ
 +11.7pp 11.6% 8.6% 12.5% 92%
CRE 32.7%
+7.4pp YoY
+5.2pp QoQ
 -6.9pp 39.5% 37.1% 41.4% 39%
1-4 Family 24.1%
-4.3pp YoY
-0.4pp QoQ
 -8.6pp 32.6% 41.6% 31.3% 39%
Consumer 4.0%
-3.6pp YoY
-1.4pp QoQ
 -0.1pp 4.1% 4.8% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 11.0%
0.0pp YoY
+0.3pp QoQ
 -1.2pp 12.2% 14.0% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 67
0 YoY
-1 (-1.5%) QoQ
 +8 58 105 482 68%
Assets per Employee ($) $7.8M
+6.8% YoY
+0.7% QoQ
 +$317K $7.5M $6.3M $8.8M 65%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 10.09x
-54.4% YoY
+20.0% QoQ
 -14.07x 24.15x 7.45x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 18.4%
+2.3pp YoY
+0.1pp QoQ
 +6.2pp 12.2% 13.3% 11.6% 83%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 69%
Net Income ($, YTD) $4.0M
+36.9% YoY
— QoQ
 +$1.5M $2.6M $5.1M $40.4M 81%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#150 of 1256 • Bottom 11.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.11%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

436
Efficiency Ratio
profitability
Value: 49.81%
Peer Median: 64.48%
#436 of 2643 Top 16.5% in $100M-$1B
636
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2019
Tier 1 Capital Ratio
capital
Value: 11.01%
Peer Median: 15.91%
#2019 of 2643 Bottom 23.6% in $100M-$1B
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