United Citizens Bank & Trust Company
Campbellsburg, KY · Cert 15249 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · United Citizens Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$219.3MAssets
$177.6MLoans
$197.5MDeposits
$21.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 83% of banks under $1B in assets operating in a single state (rank 125 of 746).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets operating in a single state (rank 685 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.06%
Rank 374 of 746
Net Interest Margin
4.38%
Rank 125 of 746
Efficiency Ratio
69.91%
Rank 463 of 746
Equity / Assets
9.58%
Rank 486 of 746
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 38% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.72% | 1.06% | 1.45% | Beats 50% | 374 / 746 | | |
| Return on Equity | 11.07% | 6.74% | 10.51% | 13.63% | Beats 55% | 332 / 746 | | |
| Net Interest Margin | 4.38% | 3.17% | 3.68% | 4.16% | Beats 83% | 125 / 746 | | |
| Efficiency Ratio | 69.91% | 55.74% | 64.58% | 75.47% | Beats 38% | 463 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.78% | 0.09% | 0.42% | 1.07% | Beats 14% | 643 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 43% | 424 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 11.55% | 13.75% | 17.60% | Beats 9% | 682 / 746 | | |
| Total Risk-Based Capital Ratio | 10.02% | 11.71% | 14.33% | 18.43% | Beats 8% | 685 / 746 | | |
| Equity / Assets | 9.58% | 8.90% | 10.51% | 13.06% | Beats 35% | 486 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.94% | 61.31% | 78.27% | 90.78% | 73rd pctl | 199 / 746 | | |
| Loans / Assets | 80.98% | 53.60% | 66.97% | 76.08% | 88th pctl | 92 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |