United Community Bank of West Kentucky, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 167.88 percentage points in Q2 2026, from 840.86% to 1008.73%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, United Community Bank of West Kentucky, Inc. is 41st of 119 on return on assets, 1.56% as of Q2 2026, above the middle of the field. United Community Bank of West Kentucky, Inc. reported 1.56% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 8.80% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.75% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 1008.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 18.71% |
| Net interest margin | 3.56% |
| Efficiency ratio | 47.77% |
| Yield on earning assets | 5.54% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.83% |
| Core deposits to total deposits | 86.01% |
| Brokered deposits to total deposits | 7.84% |
| Deposits to assets | 85.18% |
| Securities to assets | 31.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 1.27% | 3.01% | 0.20% | 0.01% |
| Q4 2023 | 10.49% | 1.09% | 2.59% | 0.21% | 0.01% |
| Q1 2024 | 11.32% | 0.96% | 2.54% | 0.13% | 0.01% |
| Q2 2024 | 11.44% | 0.99% | 2.63% | 0.07% | 0.01% |
| Q3 2024 | 11.54% | 1.02% | 2.63% | 0.18% | 0.01% |
| Q4 2024 | 11.04% | 1.04% | 2.69% | 0.13% | 0.04% |
| Q1 2025 | 10.92% | 1.15% | 2.88% | 0.08% | 0.09% |
| Q2 2025 | 11.03% | 1.25% | 3.09% | 0.05% | 0.00% |
| Q3 2025 | 11.23% | 1.40% | 3.22% | 0.05% | 0.01% |
| Q4 2025 | 10.80% | 1.35% | 3.37% | 0.05% | 0.01% |
| Q1 2026 | 10.70% | 1.48% | 3.47% | 0.13% | 0.01% |
| Q2 2026 | 11.01% | 1.56% | 3.56% | 0.11% | 0.00% |
United Community Bank of West Kentucky, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank of West Kentucky, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)