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United Community Bank Of West Kentucky, Inc.
Morganfield, KY · FDIC Certificate #57301 · Chartered 12/1
Total assets
$524.95M
Total deposits
$447.15M
Total equity
$46.17M
Net loans
$326.55M
Branches (offices)
6
Net income (YTD)
$4.03M
Rank: #1,727 of 4,213 U.S. banks by assets · #36 of 120 in Kentucky. Assets changed 6.8% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 18.35% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 8.80% |
| Tier 1 leverage ratio | 11.01% |
| Uninsured deposits (share of deposits) | 34.4% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 73.0% |
| Real estate loans (share of loans) | 68.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $224.11M | 68.6% | |
| Commercial & industrial | $75.85M | 23.2% | |
| Consumer / individual | $12.97M | 4.0% | |
| Construction & development | $11.54M | 3.5% | |
| Agricultural | $16.46M | 5.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $443.19M | $400.47M | $2.90M | $31.57M |
| Jun 2023 | $450.52M | $390.89M | $3.19M | $32.98M |
| Jun 2024 | $462.89M | $394.64M | $2.21M | $35.96M |
| Jun 2025 | $491.47M | $430.58M | $2.94M | $36.97M |
| Jun 2026 | $524.95M | $447.15M | $4.03M | $46.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $447.15M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $447.15M.
Similar-sized banks
First State Bank Of Dequeen ($525.09M) · Enterprise Bank ($524.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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