United Community Bank of West Kentucky, Inc. (FDIC certificate #57301) is based in Morganfield, Kentucky. Its Q2 2026 call report shows $524.9M in total assets and $447.1M in deposits and 7 offices.
Based on its Q2 2026 filing, United Community Bank of West Kentucky, Inc. scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 31st. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (60/100; 11.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.44% |
| Q3 2024 | 11.54% |
| Q4 2024 | 11.04% |
| Q1 2025 | 10.92% |
| Q2 2025 | 11.03% |
| Q3 2025 | 11.23% |
| Q4 2025 | 10.80% |
| Q1 2026 | 10.70% |
| Q2 2026 | 11.01% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.00% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $524.9M | 11.01% | 0.11% | 1.53% | 73.0% |
| Q1 2026 | 76 | $529.0M | 10.70% | 0.13% | 1.48% | 72.1% |
| Q4 2025 | 76 | $523.5M | 10.80% | 0.05% | 1.29% | 70.8% |
| Q3 2025 | 77 | $511.7M | 11.23% | 0.05% | 1.27% | 67.9% |
| Q2 2025 | 77 | $491.5M | 11.03% | 0.05% | 1.20% | 65.1% |
| Q1 2025 | 76 | $493.3M | 10.92% | 0.08% | 1.14% | 64.2% |
| Q4 2024 | 75 | $483.0M | 11.04% | 0.13% | 1.00% | 64.5% |
| Q3 2024 | 76 | $469.1M | 11.54% | 0.18% | 0.99% | 67.5% |
| Q2 2024 | 77 | $462.9M | 11.44% | 0.07% | 0.97% | 65.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Murray BankBank Murray, KY | 60 out of 100, Moderate | $534.1M | 10.0% | 1.95% | vs |
| The Casey County Bank, Inc.Bank Liberty, KY | 71 out of 100, Strong | $508.4M | 8.3% | 0.10% | vs |
| First Community Bank of the Heartland, Inc.Bank Clinton, KY | 56 out of 100, Moderate | $506.0M | 8.1% | 1.07% | vs |
| Magnolia Bank, IncorporatedBank Elizabethtown, KY | 49 out of 100, Below average | $546.3M | 11.0% | 2.02% | vs |
| River City Bank, Inc.Bank Louisville, KY | 74 out of 100, Strong | $494.9M | 11.7% | 0.36% | vs |
| West Point BankBank Radcliff, KY | 57 out of 100, Moderate | $560.6M | 8.5% | 0.93% | vs |
Deposit insurance
Is my money safe at United Community Bank of West Kentucky, Inc.?
Yes. United Community Bank of West Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #57301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.4% of deposits ($153.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
United Community Bank of West Kentucky, Inc. lists 7 offices in 6 cities. Most locations:
- Morganfield, KY (2)
- Clay, KY (1)
- Dixon, KY (1)
- Poole, KY (1)
- Sebree, KY (1)
- Sturgis, KY (1)
Identity & history
Profile
- Legal name
- United Community Bank of West Kentucky, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 57301
- RSSD ID
- 3070545
- Primary regulator
- FDIC
- Holding company
- United Cmty Bancshares Inc
- Established
- December 10, 2001
- Headquarters
- 500 N Morgan St, Morganfield, KY 42437
- Website
- www.ucbwest.com
- Employees
- 67
Quick answers
United Community Bank of West Kentucky, Inc.: common questions
Is United Community Bank of West Kentucky, Inc. FDIC insured?
Yes. United Community Bank of West Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #57301). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Community Bank of West Kentucky, Inc.'s TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Community Bank of West Kentucky, Inc. ever failed?
There is no failure record for FDIC certificate #57301 in the FDIC failed bank list.
How many branches does United Community Bank of West Kentucky, Inc. have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Morganfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Green River Area Federal Credit UnionCredit union Owensboro, KY | 89 out of 100, Very strong | $60.3M | 20.7% | 0.53% | vs |
| Diamond Valley Federal Credit UnionCredit union Evansville, IN | 78 out of 100, Strong | $178.8M | 12.9% | 0.72% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| The First National Bank of CarmiBank Carmi, IL | 75 out of 100, Strong | $622.2M | 11.4% | 0.35% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |