BlastPoint's Banking Scorecard
United Community Bank of West Kentucky, Inc.
Community
Specialty: Commercial
KY
FDIC cert 57301
Morganfield, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
United Community Bank of West Kentucky, Inc. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$523.5M
+8.4% YoY
+2.3% QoQ
|
-$868.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$317.5M
+16.2% YoY
+5.0% QoQ
|
-$658.0M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$448.3M
+5.8% YoY
+0.6% QoQ
|
-$716.4M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.29%
+28.2% YoY
+1.6% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.05%
+20.1% YoY
+2.6% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
52.11%
-12.3% YoY
-2.2% QoQ
|
-10.52% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.05%
-61.3% YoY
-8.1% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
70.83%
+9.8% YoY
+4.3% QoQ
|
-12.24% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.47%
+8.2% YoY
+2.2% QoQ
|
-2.58% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.03%
-58.5% YoY
-5.7% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.59%
-7.4% YoY
+34.2% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
79
79th pctile
Efficiency Ratio
Current: 52.11% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.83% · Tier avg: 83.06%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.47% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
6
6th pctile
Total Loans
Current: $317.5M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $448.3M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $523.5M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $523.5M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $448.3M · Tier avg: $1.2B
6
6th pctile
Total Loans
Current: $317.5M · Tier avg: $975.5M
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.47% · Tier avg: 21.05%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.83% · Tier avg: 83.06%
79
79th pctile
Efficiency Ratio
Current: 52.11% · Tier avg: 62.63%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%