Bank Safety Analysis
Is United Community Bank of West Kentucky, Inc. Safe? Morganfield, Kentucky
Based on its Q3 2026 call report, United Community Bank of West Kentucky, Inc. meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.98%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is United Community Bank of West Kentucky, Inc. safe?
On its Q3 2026 call report, United Community Bank of West Kentucky, Inc.'s Community Bank Leverage Ratio is 11.33%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 11.33%
- Texas ratio (Q3 2026): 0.98%
- Noncurrent loans ratio (Q3 2026): 0.13%
United Community Bank of West Kentucky, Inc. is an FDIC-insured commercial bank (FDIC Certificate #57301). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report United Community Bank of West Kentucky, Inc. (FDIC Certificate #57301) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
United Community Bank of West Kentucky, Inc. passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
In Q3 2026, return on assets edged down by 0.05 percentage points, from 1.56% to 1.51%, the largest move among the key lines here. Within Kentucky, United Community Bank of West Kentucky, Inc. is 52nd of 120 on leverage ratio, 11.33% as of Q3 2026. At 11.33%, United Community Bank of West Kentucky, Inc.'s leverage ratio is close to the 11.09% median for banks in the $100M-1B asset tier (Q3 2026). From Q4 2023 to Q3 2026, United Community Bank of West Kentucky, Inc.'s Texas ratio ranged between 0.37% (Q4 2025) and 1.19% (Q3 2024). Between Q3 2025 and Q3 2026, United Community Bank of West Kentucky, Inc.'s nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.05% to 0.13%, Texas ratio rose from 0.39% to 0.98% and return on assets rose from 1.40% to 1.51%.
By total assets at Q3 2026, United Community Bank of West Kentucky, Inc. is the 35th largest of the 120 banks headquartered in Kentucky. 1-4 family residential loans are its largest loan category, $81.3M of $332.1M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, United Community Bank of West Kentucky, Inc.'s community bank leverage ratio of 11.33% is above the 11.09% median, nonperforming loans ratio of 0.13% is below the 0.43% median, Texas ratio of 0.98% is below the 2.96% median, and efficiency ratio of 48.29% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does United Community Bank of West Kentucky, Inc. score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does United Community Bank of West Kentucky, Inc. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.98% | Within range |
| Non-performing loan ratio BankRegReports band | 0.13% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 72.44% | Within range |
| Commercial real estate to capital supervisory threshold | 128.74% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.98% |
| Q2 2026 | 0.75% |
| Q1 2026 | 0.97% |
| Q4 2025 | 0.37% |
| Q3 2025 | 0.39% |
| Q2 2025 | 0.41% |
| Q1 2025 | 0.61% |
| Q4 2024 | 0.98% |
| Q3 2024 | 1.19% |
| Q2 2024 | 0.50% |
| Q1 2024 | 0.91% |
| Q4 2023 | 0.89% |
Loans by type, Q3 2026
- 1-4 family residential loans: $81.3M
- Commercial and industrial loans: $74.6M
- Multifamily loans: $38.5M
- Non-owner-occupied commercial real estate loans: $30.2M
- Owner-occupied commercial real estate loans: $29.3M
- Agricultural production loans: $14.9M
- Construction and land development loans: $12.0M
- Auto loans: $7.1M
How have United Community Bank of West Kentucky, Inc.'s safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $520.7M | 11.33% | 0.13% | 0.98% | 48.29% |
| Jun 30, 2026 | $524.9M | 11.01% | 0.11% | 0.75% | 47.77% |
| Mar 31, 2026 | $529.0M | 10.70% | 0.13% | 0.97% | 48.93% |
| Dec 31, 2025 | $523.5M | 10.80% | 0.05% | 0.37% | 47.56% |
| Sep 30, 2025 | $511.7M | 11.23% | 0.05% | 0.39% | 49.07% |
| Jun 30, 2025 | $491.5M | 11.03% | 0.05% | 0.41% | 52.40% |
| Mar 31, 2025 | $493.3M | 10.92% | 0.08% | 0.61% | 53.91% |
| Dec 31, 2024 | $483.0M | 11.04% | 0.13% | 0.98% | 56.18% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is United Community Bank of West Kentucky, Inc. FDIC insured?
Yes. United Community Bank of West Kentucky, Inc. is an FDIC-insured commercial bank (FDIC Certificate #57301). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is United Community Bank of West Kentucky, Inc. well capitalized?
On its Q3 2026 call report, United Community Bank of West Kentucky, Inc.'s Community Bank Leverage Ratio is 11.33%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are United Community Bank of West Kentucky, Inc.'s key safety ratios?
For Q3 2026, United Community Bank of West Kentucky, Inc. reports leverage 11.33%, Texas ratio 0.98%, noncurrent loans 0.13%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if United Community Bank of West Kentucky, Inc. fails?
For Q3 2026, United Community Bank of West Kentucky, Inc. reported $458.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full United Community Bank of West Kentucky, Inc. profile.
How we score this
United Community Bank of West Kentucky, Inc. elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 8.0% (CBLR elected), fail ≤ 7.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.