United Community Bank of West Kentucky

Overview / Commentary

www.ucbwest.com

270-389-3232

500 North Morgan Street
Morganfield, KY 42437

United Community Bank of West Kentucky is headquartered in Morganfield and is the 50^th largest bank in the state of Kentucky. It is also the 2,363^rd largest bank in the nation. It was established in 2001 and as of December of 2019, it had grown to 56 employees at 5 locations. United Community Bank of West Kentucky has an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	57301
Year Established	2001
Employees	56
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	11.8%
Annual Interest Income	$12.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$272.9MM$262.1MM
Loans	Q4 2019vs Q4 2018	$180.2MM$178.7MM
Deposits	Q4 2019vs Q4 2018	$219.8MM$206.3MM
Equity Capital	Q4 2019vs Q4 2018	$38.3MM$34.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.7MM$2.6MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$667.00K$268.00K
Real Estate Owned	Q4 2019vs Q4 2018	$25.00K$39.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Community Bank of West Kentucky Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	-	$25k	Free Kasasa Saver
OTHER TIERS: 0.10% → $25k+

United Community Bank of West Kentucky Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$10k	Free Kasasa Cash Checking
OTHER TIERS: 0.10% → $10k+
0.50%^*	$100k^*	-	Eagle Premium Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.20% → $10k - $100k

Locations

United Community Bank of West Kentucky Locations
Main Street Morganfield Ky Branch	131 East Main Street	Morganfield, KY 42437
Sturgis Branch	1406 Main Street	Sturgis, KY 42459
United Community Bank Of West Kentucky, Inc.	500 North Morgan Street	Morganfield, KY 42437
Clay Branch	54 Hearin St	Clay, KY 42404
Poole Branch	24 St Rt 56 E	Poole, KY 42444

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