Side-by-side · Q2 2026 data
First United 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 | First United Bank and Trust Company | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 45 | 60 (stronger) |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 78 | 81 (stronger) |
| Funding & liquidity | 84 (stronger) | 66 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $591.4M | $524.9M |
| Deposits / shares | $525.0M | $447.1M |
| Capital ratio | 9.53% | 11.01% (stronger) |
| Problem loans | 0.25% | 0.11% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.45% | 1.53% (stronger) |
| Loans ÷ deposits | 75.5% | 73.0% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 34.4% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
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), First United 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.