Side-by-side · Q2 2026 data
The First National Bank of Carmi 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 | The First National Bank of Carmi | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 64 (stronger) | 60 |
| Loan quality | 88 | 96 (stronger) |
| Earnings | 68 | 81 (stronger) |
| Funding & liquidity | 68 (stronger) | 66 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 61st | 72nd |
| Total assets | $622.2M | $524.9M |
| Deposits / shares | $545.5M | $447.1M |
| Capital ratio | 11.42% (stronger) | 11.01% |
| Problem loans | 0.35% | 0.11% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.01% |
| Return on assets | 1.19% | 1.53% (stronger) |
| Loans ÷ deposits | 77.5% | 73.0% (stronger) |
| Uninsured deposits | 28.5% (stronger) | 34.4% |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
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), The First National Bank of Carmi 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.