United Community Bank of West Kentucky, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Community Bank of West Kentucky, Inc. of Morganfield, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.34% | +0.22% | 67th above |
| ROAE | 18.71% | 13.31% | +5.40% | 82nd top |
| Net Interest Margin | 3.56% | 3.93% | -0.37% | 30th below |
| Efficiency Ratio | 47.77% | 61.15% | -13.38% | 85th top |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 2.08% | 1.88% | +0.20% | 33rd below |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) | 1008.73% | 1538.97% | -530.24% | — |
| Texas Ratio | 0.75% | 7.33% | -6.58% | 76th top |
| Provision / NCO | 1000.00% | 1395.79% | -395.79% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 12.14% | -1.13% | 51st above |
| Equity / Assets | 8.80% | 11.38% | -2.58% | 24th bottom |
| TCE / Tangible Assets | 8.33% | 11.09% | -2.76% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.83% | 80.64% | -6.81% | 64th above |
| Core Deposit Ratio | 86.01% | 86.86% | -0.85% | 34th below |
| Wholesale Funding Ratio | 5.33% | 5.03% | +0.30% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.81% | 6.85% | -0.04% | 68th above |
| Loan Growth (Y/Y) | 16.37% | 7.90% | +8.47% | 88th top |
| Deposit Growth (Y/Y) | 3.85% | 6.29% | -2.44% | 49th below |
See United Community Bank of West Kentucky, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Community Bank of West Kentucky, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Community Bank of West Kentucky, Inc. profile, how to read a UBPR, or how this data updates.