United Community Bank of West Kentucky

Tammy Belt of United Community Bank of West Kentucky

United Community Bank of West Kentucky
Morganfield, Ky.
2013 ROA: 1.55 percent
2013 ROE: 15.71 percent
Assets: $211 million
Retail locations: Four
Employees: 47
Website: www.ucbwest.com

What is most distinctive about United Community Bank of West Kentucky?

Belt: I know everyone says that their staff is their greatest asset, but truly we have a strong staff members with years of banking experience and knowledge who have a passion for providing excellent service to our customers. Our staff and board members are very active in the communities we serve.

What factors played the most significant role in your bank’s superior performance last year?

Belt: Our asset quality is very good with delinquency ratios (30-89) averaging 0.5 percent.

What has your bank been doing to continue its strong performance?

Belt: We constantly evaluate our efforts and make changes as necessary. We have strong loan underwriting, great service, and creative marketing. We place a heavy emphasis on compliance and training.