Side-by-side · Q2 2026 data
Farmers Bank and Trust Company vs United Community Bank of West Kentucky, Inc.
Bank
United Community Bank of West Kentucky, Inc.
Morganfield, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Farmers Bank and Trust Company | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 42 | 60 (stronger) |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 94 (stronger) | 81 |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $794.0M | $524.9M |
| Deposits / shares | $699.2M | $447.1M |
| Capital ratio | 9.24% | 11.01% (stronger) |
| Problem loans | 0.23% | 0.11% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.86% (stronger) | 1.53% |
| Loans ÷ deposits | 93.7% | 73.0% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 34.4% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
United Community Bank of West Kentucky, Inc. has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank and Trust Company leads on 2 and United Community Bank of West Kentucky, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.