United Community Bank of West Kentucky, Inc.: how it compares with its peers
Against 48 KY banks with half to twice its assets, United Community Bank of West Kentucky, Inc.'s strongest measure in Q2 2026 is efficiency ratio (49.81% vs. a 58.22% peer median). Its weakest relative measure is net interest margin (3.45% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.26% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.75% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.81% | 58.22% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.2M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.03% | 84.83% | Context |
What it means for lending operations
Its efficiency ratio of 49.81% is better than the 58.22% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Murray Bank Murray, KY · $534M
- The Casey County Bank, Inc. Liberty, KY · $508M
- First Community Bank of the Heartland, Inc. Clinton, KY · $506M
- Magnolia Bank, Incorporated Elizabethtown, KY · $546M
- River City Bank, Inc. Louisville, KY · $495M
- West Point Bank Radcliff, KY · $561M
Questions about United Community Bank of West Kentucky, Inc.
How big is United Community Bank of West Kentucky, Inc.?
United Community Bank of West Kentucky, Inc., established in 2001, is headquartered in Morganfield, KY. It reported $525M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is United Community Bank of West Kentucky, Inc.'s return on assets?
1.53% annualized in Q2 2026, against a 1.26% median for 48 KY banks with half to twice its assets, ahead of 73% of them.
What is United Community Bank of West Kentucky, Inc.'s efficiency ratio?
49.81% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 58.22%, and lower is better.
Is United Community Bank of West Kentucky, Inc. growing its loans?
Net loans grew 16.5% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.