United Community Bank of West Kentucky, Inc.

BankMorganfield, Kentucky
www.ucbwest.com

Total Assets

$523.5M

Total Deposits

$448.3M

Branches

6

Established

2001

TFS Health Grade

$
C-

70.3 / 100

Average financial health

How we grade

United Community Bank of West Kentucky, Inc. is a bank headquartered in Morganfield, Kentucky, established in 2001. With $523.5M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.80%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.29%(1%)
Return on Equity (ROE)
16.51%(10%)
Net Interest Margin
3.05%
Efficiency Ratio
52.11%(60%)

Lending & Liquidity

Total Loans
$321.0M
Loan-to-Deposit Ratio
70.83%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+8.37%
Deposit Growth (YoY)
+5.79%
Net Income
$6.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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