Not Resting on Successes

People on the Team—Above are some employees of United Community Bank’s North Morgan office.
People on the Team—Above are some employees of United Community Bank’s North Morgan office.
United Community Bank of West Kentucky
Morganfield, Ky.
ROAA in 2015: 1.57 percent
Assets: $226 million
Retail locations: Four
Employees: 54
Founded: 2001

By Tammy Belt

At United Community Bank of West Kentucky, our staff is our greatest asset. Our employees know that the bank cares about them and provides them opportunities to grow in their career. UCB has been named one of the Best Banks to Work For by a national rating firm for the past two years. This distinction is earned based on confidential employee surveys and a benefit/salary questionnaire.

Our employees appreciate the opportunity to work close to home in a job they enjoy that provides nice benefits and opportunities, and they have formed strong work families. They enjoy the friendship and support that goes along with these relationships. To stay motivated, we plan to have fun. We create opportunities to celebrate with each other, with our customers and with our community.

The United Community Bank’s board of directors, management team and staff are focused on serving and supporting the community and are proud to be part of an organization that allows them to give back in so many ways. We allow our staff the time to participate in community organizations and events, and many times we also provide funding to assist with projects. Our board and management serve on many community organization and civic group boards. This allows us to build great relationships as well as keep up with current events in our community.

We love being community bankers and being allowed to take care of our customers by making local decisions based on each customer’s unique situation. While we are always concerned with loan quality, as evidenced by our low past-due ratio, we are able to work with customers who are “outside the box” of big-bank lending.

We enjoy helping our customers with their financial needs, without feeling like we have to push them to take a product or service they don’t really need. We believe that educating our employees about our products and services equips them to be able to meet the needs of their customers. We have found this to be more effective than tracking the sale of a specific product.

We live by our mission: “United Community Bank’s philosophy is to operate a successful community bank emphasizing prompt, personalized customer service to individuals and businesses that prefer community oriented banking.”
We are proud of the strength of our bank, but do not rest on our success. To quote our CEO, “that was yesterday.” We always strive to be better.

Tammy Belt ( is senior vice president of marketing for United Community Bank.