United Community Bank of West Kentucky, Inc.
United Community Bank of West Kentucky, Inc. is an FDIC-insured commercial bank headquartered in Morganfield, KY, supervised by the FDIC, with $520.7M in total assets at Q3 2026, up 1.8% from Q3 2025, the 35th largest of 120 banks headquartered in Kentucky. It was established in 2001 and holds FDIC certificate 57301. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.33% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as UCB of West Kentucky
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57301
- Headquarters
- Morganfield, KY
- Established
- 2001
- Total assets, Q3 2026
- $520.7M
- Assets vs Q3 2025
- +1.8%
- Tier 1 leverage ratio, Q3 2026
- 11.33%
- Domestic offices
- 6 branches
- Routing number
- 083908381
- Safety and soundness
- Is United Community Bank of West Kentucky, Inc. safe?
- Latest call report
- Q3 2026, FFIEC 051 · United Community Bank of West Kentucky, Inc. call report
- Holding company
- UNITED COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 35th of 120 in Kentucky
United Community Bank of West Kentucky, Inc. runs leaner than most banks of its size. Based in Morganfield, Kentucky, it had $521 million in assets at September 30, 2026, up 1.8% from a year earlier. It spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,624 banks with $100 million to $1 billion in assets (median 61 cents). It also returns 17.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.7%).
Its securities portfolio is underwater by $27 million, an amount equal to 46% of Tier 1 capital. Loans are outrunning deposits: over the year loans rose 8.6% and deposits rose 2.9%. Its margin is thin by comparison: it keeps 3.54 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 4.01 cents).
As of September 30, 2026, United Community Bank of West Kentucky, Inc. reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.98%. The figures come from its call report filed with the FFIEC.
United Community Bank of West Kentucky, Inc. ranks as the 35th largest of the 120 banks based in Kentucky, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 0.8% to $520.7M, loans rose 0.6% and deposits rose 2.5%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 24.5% of total loans, ahead of commercial and industrial loans at 22.5%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in KY; its Morganfield 2 offices book 68% of its branch deposits. Judged on its Q3 2026 call report, United Community Bank of West Kentucky, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 N Morgan St, Morganfield, KY 42437
- County
- Union
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 10, 2001
- Domestic offices
- 6 branches
- Employees (FTE)
- 70
- Domestic deposits
- $458.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $525.0M
- Average total loans
- $330.1M
- Average interest-bearing deposits
- $363.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 2001
- FDIC Cert
- 57301
- Fed RSSD
- 3070545
- Website
- www.ucbwest.com →
- Parent Holding Company
- UNITED COMMUNITY BANCSHARES, INC. (RSSD 3260216)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, United Community Bank of West Kentucky, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, United Community Bank of West Kentucky, Inc.'s total assets ran between $451.7M (Q4 2023) and $529.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$520.7M total assets against $511.7M; $477.6M total liabilities against $469.4M.
$328.5M net loans and leases against $302.4M; $458.4M total deposits against $445.5M.
$153.8M securities against $170.2M; $8.5M cash and balances due against $12.8M.
$6.8M total interest income against $6.3M; $2.5M total interest expense against $2.7M.
$4.3M net interest income against $3.7M.
$798K total noninterest income against $803K; $2.5M total noninterest expense against $2.3M.
$75K provision for credit losses against $30K.
$2.0M net income against $1.8M.
1.51% return on assets against 1.40%; 3.54% net interest margin against 3.22%.
11.33% tier 1 leverage ratio against 11.23%.
Inside the full United Community Bank of West Kentucky, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Community Bank of West Kentucky, Inc. rankings
Its closest position to the top of a national ranking is 658 of 3,624, for efficiency ratio; its furthest is 2,736 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.04% (Q4 2024) to 1.56% (Q2 2026) and its net interest margin ran from 2.69% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.33% | 1.51% | 0.13% | 0.98% | 3.54% |
| Q2 2026 | 11.01% | 1.56% | 0.11% | 0.75% | 3.56% |
| Q1 2026 | 10.70% | 1.48% | 0.13% | 0.97% | 3.47% |
| Q4 2025 | 10.80% | 1.35% | 0.05% | 0.37% | 3.37% |
| Q3 2025 | 11.23% | 1.40% | 0.05% | 0.39% | 3.22% |
| Q2 2025 | 11.03% | 1.25% | 0.05% | 0.41% | 3.09% |
| Q1 2025 | 10.92% | 1.15% | 0.08% | 0.61% | 2.88% |
| Q4 2024 | 11.04% | 1.04% | 0.13% | 0.98% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank of West Kentucky, Inc. (main office) | Morganfield , KY | 42437 | $203.3M |
| Main Street Morganfield Ky Branch | Morganfield , KY | 42437 | $98.8M |
| Dixon Branch | Dixon , KY | 42409 | $46.4M |
| Sturgis Branch | Sturgis , KY | 42459 | $44.5M |
| Clay Branch | Clay , KY | 42404 | $43.1M |
| Poole Branch | Poole , KY | 42444 | $11.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 23, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 2022 | Structure Change | Acquired Dixon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (FDIC)
- March 6, 2012, FDIC: Assessment of Civil Money Penalty: United Community Bank of West Kentucky, Inc.
- Period: Most recent institution action March 6, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in KY, rank 53 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Community Bank of West Kentucky, Inc.
What are United Community Bank of West Kentucky, Inc.'s total assets?
As of the Q3 2026 filing, United Community Bank of West Kentucky, Inc. reported total assets of $520.7 million in its FFIEC call report.
Where is United Community Bank of West Kentucky, Inc. headquartered?
It is headquartered in Morganfield, KY, United States.
When was United Community Bank of West Kentucky, Inc. founded?
It was established in 2001, per the FDIC institution directory.
Is United Community Bank of West Kentucky, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Community Bank of West Kentucky, Inc.?
United Community Bank of West Kentucky, Inc.'s primary federal regulator is the FDIC.
How many branches does United Community Bank of West Kentucky, Inc. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Community Bank of West Kentucky, Inc.'s Texas Ratio?
Its Texas Ratio is 0.98% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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