B
United Community Bank of West Kentucky, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.23
Return On
Assets
1.27%
Total
Assets
511.66M
Capital
42.23M
Total
Deposits
445.46M
Net
Income
4.70M
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Weiss Ratings United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 5.90
Stability Index 5.40
Company Info United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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FDIC Number 57301
Phone Number (270) 389-3232
Website www.ucbwest.com
Asset Quality United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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1-Year Asset Growth 9.07%
5-Year Asset Growth 15.40%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.28%
Non-Performing Loans to Loans 0.05%
Balance Sheet United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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Total Assets 511.66M
Total Deposits 445.46M
Capital and Reserves United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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Capital 42.23M
Leverage Ratio 11.23
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio --
Liquidity United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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Hot Money Ratio 20.25%
Liquidity Ratio 18.09%
Profitability United Community Bank of West Kentucky, Inc.
Morganfield, KY 		Click to
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5-Year Return on Average Assets 1.31%
Net Income 4.70M
Net Interest Spread 3.06%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 53.49%
Return on Assets 1.27%
Return on Equity 16.63%