Bank Comparison
Cross County Savings Bank vs United Community Bank of West Kentucky, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| CET1 Ratio | 20.83% | — |
| Tier 1 Capital Ratio | 20.83% | — |
| Total Capital Ratio | 21.45% | — |
| Tier 1 Leverage Ratio | 12.84% | 11.01% |
| Equity / Assets | 12.90% | 8.80% |
Profitability
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| Return on Assets (ROA) | 0.51% | 1.56% |
| Return on Equity (ROE) | 4.03% | 18.71% |
| Net Interest Margin (NIM) | 3.95% | 3.56% |
| Yield on Earning Assets | 5.22% | 5.54% |
| Cost of Funds | 1.36% | 2.08% |
Asset quality
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| Texas Ratio | 12.46% | 0.75% |
| Non-Performing Loan Ratio | 2.21% | 0.11% |
| Non-Performing Asset Ratio | 1.66% | 0.07% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.52% | 1.08% |
Balance sheet
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| Total Assets | $525.4M | $524.9M |
| Total Deposits | $446.5M | $447.1M |
| Total Loans | $394.2M | $330.1M |
| Total Equity | $67.8M | $46.2M |
| Net Income (quarter) | $680K | $2.1M |
Liquidity & funding
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 88.28% | 73.83% |
| Core Deposit Ratio | 87.36% | 86.01% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cross County Savings Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| Headquarters City | Middle Village | Morganfield |
| Headquarters State | NY | KY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 63 | 67 |
| Established | January 1, 1888 | December 10, 2001 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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