Side-by-side · Q2 2026 data
German American Bank 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 | German American Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 62 (stronger) | 60 |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 91 (stronger) | 81 |
| Funding & liquidity | 46 | 66 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 77th | 72nd |
| Total assets | $8.4B | $524.9M |
| Deposits / shares | $7.1B | $447.1M |
| Capital ratio | 11.19% (stronger) | 11.01% |
| Problem loans | 0.45% | 0.11% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.76% (stronger) | 1.53% |
| Loans ÷ deposits | 83.0% | 73.0% (stronger) |
| Uninsured deposits | 42.8% | 34.4% (stronger) |
| Offices | 89 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
United Community Bank of West Kentucky, Inc. has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 2 and United Community Bank of West Kentucky, Inc. on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.