UNITED COMMUNITY BANK OF WEST KENTUCKY, INC.

MORGANFIELD, KY | Medium | Est. Dec. 10, 2001, midnight | FDIC #57301 | RSSD #3070545 | FDIC
Latest Report: 2025-12-31

UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. is amn medium FDIC-insured commercial bank headquartered in MORGANFIELD, KY, established in Dec. 10, 2001, midnight. As of 2025-12-31, the bank reported total assets of $523M and total deposits of $448M. Profitability stands at 1.35% ROA and 16.35% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 7.30%. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.35%. FDIC Certificate #57301.

Assets

$523M

Deposits

$448M

Loans

$321M

Equity

$43M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 16.35%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.48%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.35%
NPA Ratio 0.03%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 7.30%
Tier 1 Capital 7.30%
Total Capital Ratio 7.67%
Leverage Ratio 10.80%
Loan-to-Deposit 71.61%

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