United Community Bank of West Kentucky, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 9.31 percentage points in Q2 2026, from 117.20% to 126.51%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Community Bank of West Kentucky, Inc. is 87th of 120 on loan-to-deposit ratio, 73.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Community Bank of West Kentucky, Inc. sits 7.01 points lower, at 73.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $330.1M |
| Net loans and leases | $326.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.89% |
| Loan-to-deposit ratio | 73.83% |
| Net loans to equity capital | 7.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.93% |
| Multifamily (5+ residential) | 10.88% |
| Commercial and industrial | 22.98% |
| Consumer | 3.93% |
| Credit cards | 0.00% |
| Farm | 11.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.51% |
| Construction concentration (Tier 1 capital + allowance) | 18.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.69% |
| Interest income on loans | $5.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $239.5M | $394.7M | 12.64% | 13.72% | 8.52% |
| Q4 2023 | $244.5M | $381.3M | 12.39% | 14.34% | 8.68% |
| Q1 2024 | $249.4M | $394.8M | 13.08% | 14.86% | 8.54% |
| Q2 2024 | $260.6M | $394.6M | 12.04% | 18.78% | 8.17% |
| Q3 2024 | $269.6M | $394.2M | 12.46% | 18.26% | 8.00% |
| Q4 2024 | $276.6M | $423.7M | 13.37% | 18.81% | 7.85% |
| Q1 2025 | $281.2M | $432.5M | 14.00% | 19.22% | 7.30% |
| Q2 2025 | $283.7M | $430.6M | 13.62% | 19.51% | 7.46% |
| Q3 2025 | $305.8M | $445.5M | 12.22% | 24.20% | 6.31% |
| Q4 2025 | $321.0M | $448.3M | 13.51% | 24.21% | 5.79% |
| Q1 2026 | $333.2M | $457.0M | 12.90% | 26.34% | 5.32% |
| Q2 2026 | $330.1M | $447.1M | 17.93% | 22.98% | 3.93% |
United Community Bank of West Kentucky, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank of West Kentucky, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Community Bank of West Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57301) · FFIEC NIC profile (RSSD 3070545)