Bank Comparison
Bank of Lake Mills vs United Community Bank of West Kentucky, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| CET1 Ratio | 11.32% | — |
| Tier 1 Capital Ratio | 11.32% | — |
| Total Capital Ratio | 11.78% | — |
| Tier 1 Leverage Ratio | 10.07% | 10.70% |
| Equity / Assets | 9.89% | 8.03% |
Profitability
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.07% | 1.48% |
| Return on Equity (ROE) | 0.74% | 18.27% |
| Net Interest Margin (NIM) | 6.09% | 3.47% |
| Yield on Earning Assets | 8.74% | 5.39% |
| Cost of Funds | 3.18% | 2.00% |
Asset quality
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| Texas Ratio | 4.61% | 0.97% |
| Non-Performing Loan Ratio | 0.54% | 0.13% |
| Non-Performing Asset Ratio | 0.47% | 0.08% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.47% | 1.06% |
Balance sheet
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| Total Assets | $530,089K | $529,027K |
| Total Deposits | $401,023K | $457,043K |
| Total Loans | $460,379K | $333,223K |
| Total Equity | $52,422K | $42,485K |
| Net Income (quarter) | $98 | $1,952K |
Liquidity & funding
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 114.80% | 72.91% |
| Core Deposit Ratio | 97.53% | 94.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Lake Mills | United Community Bank of West Kentucky, INC. |
|---|---|---|
| Headquarters City | LAKE MILLS | MORGANFIELD |
| Headquarters State | WI | KY |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 39 | 68 |
| Established | Jan. 1, 1893, midnight | Dec. 10, 2001, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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