Side-by-side · Q2 2026 data
West Point 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 | West Point Bank | United Community Bank of West Kentucky, Inc. |
|---|---|---|
| TellerScore | 57 | 78 (stronger) |
| Capital cushion | 35 | 60 (stronger) |
| Loan quality | 69 | 96 (stronger) |
| Earnings | 63 | 81 (stronger) |
| Funding & liquidity | 60 | 66 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 14th | 72nd |
| Total assets | $560.6M | $524.9M |
| Deposits / shares | $475.7M | $447.1M |
| Capital ratio | 8.55% | 11.01% (stronger) |
| Problem loans | 0.93% | 0.11% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.08% | 1.53% (stronger) |
| Loans ÷ deposits | 92.7% | 73.0% (stronger) |
| Uninsured deposits | 22.3% (stronger) | 34.4% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
United Community Bank of West Kentucky, Inc. has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Point Bank 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.