Side-by-side · Q2 2026 data
River City Bank, Inc. 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 | River City Bank, Inc. | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 67 (stronger) | 60 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 61 | 81 (stronger) |
| Funding & liquidity | 68 (stronger) | 66 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $494.9M | $524.9M |
| Deposits / shares | $438.3M | $447.1M |
| Capital ratio | 11.72% (stronger) | 11.01% |
| Problem loans | 0.36% | 0.11% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.02% | 1.53% (stronger) |
| Loans ÷ deposits | 85.2% | 73.0% (stronger) |
| Uninsured deposits | 21.9% (stronger) | 34.4% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | — |
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), River City Bank, Inc. leads on 3 and United Community Bank of West Kentucky, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.