United Community Bank of West Kentucky, Inc.
Morganfield, KY
IDRSSD: 3070545
Total Assets
$523.47M
Latest filing
Total Deposits
$448.26M
Latest filing
Net Interest Margin
3.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Community Bank of West Kentucky, Inc.
500 N Morgan St
Morganfield, KY 42437
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/10/2001FDIC Certificate 360799
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Community Bank of West Kentucky, Inc. (Main) | 500 N Morgan St | Morganfield, KY |
| STURGIS BRANCH | 1406 N Main St | Sturgis, KY |
| CLAY BRANCH | 54 Hearin St | Clay, KY |
| MAIN STREET MORGANFIELD KY BRANCH | 131 E Main St | Morganfield, KY |
| POOLE BRANCH | 24 St Rt 56 E | Poole, KY |
| DIXON BRANCH | 452 Us Highway 41a S | Dixon, KY |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/10/2001 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42437 |
| State and County Number | 21225 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/10/2001 |
| Primary Insurance Agency | DIF |
| Website | www.ucbwest.com |
| Data Updated | 01/30/2026 |
| CERT | 57301 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $523.47M |
| Total Deposits | $448.26M |
| Total Liabilities | $480.49M |
| Total Equity Capital | $42.98M |
| Net Income | $1.74M |
| Net Loans and Leases | $317.48M |
| Assets Per Employee ($Millions) | $7.81M |
| Bank Premises and Fixed Assets | $3.62M |
| Cash and Balances due from Depository Institutions | $9.41M |
| Deposits Held in Domestic Offices | $448.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 16.35% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 49.01% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.211% |
| Earning Assets to total Assets | 93.86% |
Income and Expense
| Total Interest Income | $6.52M |
| Total Noninterest Income | $841.00k |
| Total Interest Expense | $2.55M |
| Total Noninterest Expense | $2.37M |
| Net Interest Income | $3.98M |
| Pre-tax Net Operating Income | $2.34M |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $29.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $800.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.13M |
| Total Liabilities and Capital | $523.47M |
Securities
| Securities | $169.41M |
| Available-for-sale debt securities | $169.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Community Bank of West Kentucky, Inc.?
$523.47M as of the latest filing.
How much are United Community Bank of West Kentucky, Inc.'s total deposits?
$448.26M in total deposits.
Where is United Community Bank of West Kentucky, Inc. located?
Morganfield, KY.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
6.
When was it established?
12/10/2001.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$317.48M (latest filing).
What is the total interest income (latest filing)?
$6.52M.