United Community Bank of West Kentucky, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 4.3% in Q2 2026 to $2.5M, the biggest move on this page. United Community Bank of West Kentucky, Inc. ranks 91st of 119 Kentucky banks on net interest margin, in the lower half at 3.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Community Bank of West Kentucky, Inc. sits 0.39 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.69% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.64% | 1.72% | 3.01% | 6.05% | 2.26% |
| Q4 2023 | 4.70% | 2.23% | 2.59% | 6.01% | 2.26% |
| Q1 2024 | 4.90% | 2.36% | 2.54% | 6.21% | 2.19% |
| Q2 2024 | 5.15% | 2.56% | 2.63% | 6.55% | 2.19% |
| Q3 2024 | 5.14% | 2.60% | 2.63% | 6.49% | 2.16% |
| Q4 2024 | 5.16% | 2.60% | 2.69% | 6.47% | 2.10% |
| Q1 2025 | 5.22% | 2.39% | 2.88% | 6.49% | 2.14% |
| Q2 2025 | 5.39% | 2.36% | 3.09% | 6.72% | 2.26% |
| Q3 2025 | 5.49% | 2.34% | 3.22% | 6.82% | 2.32% |
| Q4 2025 | 5.45% | 2.15% | 3.37% | 6.70% | 2.36% |
| Q1 2026 | 5.39% | 1.99% | 3.47% | 6.49% | 2.41% |
| Q2 2026 | 5.54% | 2.08% | 3.56% | 6.69% | 2.40% |
United Community Bank of West Kentucky, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank of West Kentucky, Inc., freeSource: Call Report Schedules RI and RC-K, 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)