United Cmty Bank of W Ky INC
Morganfield, Kentucky · FDIC Cert #57301
This is the FDIC profile for United Cmty Bank of W Ky INC, an FDIC-insured bank (Certificate #57301) with $463M in total assets and $395M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Morganfield, Kentucky, the bank maintains a Tier 1 capital ratio of 11.44% (Well-Capitalized) and a nonperforming loan ratio of 0.07%. BankHealthData assigns a composite Health Grade of A (87/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Cmty Bank of W Ky INC (FDIC cert 57301) is a community bank — $463M in total assets, $395M in deposits, serving the Morganfield, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.44% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.07% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 38.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.15% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. United Cmty Bank of W Ky INC carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Cmty Bank of W Ky INC
- Total Assets
- $463M
- Total Deposits
- $395M
- Tier 1 Capital Ratio
- 11.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.07%
- Liquidity Ratio
- 38.30%
- Return on Assets
- 1.15%
- Headquarters
- Morganfield, Kentucky
- FDIC Certificate
- #57301
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
United Cmty Bank of W Ky INC files quarterly Call Reports with the FDIC under Certificate #57301. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, United Cmty Bank of W Ky INC holds a Tier 1 capital ratio of 11.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United Cmty Bank of W Ky INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United Cmty Bank of W Ky INC shows strong financial health indicators. With $463M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Cmty Bank of W Ky INC Compares
United Cmty Bank of W Ky INC’s Health Score of 87 is 6 points above the Kentucky state average of 81 across 103 FDIC-insured banks. Its 11.44% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 0.07% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.15% is in line with or above the national ROA benchmark of ~1.1%. Among 1495 similarly-sized banks, the average Health Score is 80, meaning this bank ranks above its size cohort. Site-wide, United Cmty Bank of W Ky INC is 7 points above the portfolio average of 80.
Frequently Asked Questions
United Cmty Bank of W Ky INC has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Cmty Bank of W Ky INC's Tier 1 capital ratio of 11.44% and nonperforming loan ratio of 0.07% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Cmty Bank of W Ky INC is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57301). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Cmty Bank of W Ky INC holds $463M in total assets and $395M in total deposits. It is headquartered in Morganfield, Kentucky (FDIC Certificate #57301).
United Cmty Bank of W Ky INC's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57301 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
United Cmty Bank of W Ky INC has a Tier 1 capital ratio of 11.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.07%, and the return on assets is 1.15%.
Yes. United Cmty Bank of W Ky INC is FDIC-insured (Certificate #57301). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Cmty Bank of W Ky INC's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.