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United Citizens Bank & Trust Company

Campbellsburg, KY · Cert 15249 · United Citizens Financial Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$219.3MAssets
$177.6MLoans
$197.5MDeposits
$21.0MEquity
Loan mix
96%RE $169.6M3%C&I $4.6M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $138.7M30%Noninterest $58.8MQ2 2025Q2 2026

NIM

5.40%Q2 ’245.57%Q2 ’255.77%Q2 ’26+8%+8%

Non-interest income vs. expense

2.65%Q2 ’242.87%Q2 ’253.25%Q2 ’26+23%+15%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.4% share · #25 of 43 inst. · $0.2B of $48.2B

60.5% Henry
5.3% Carroll
1.1% Oldham
2.1% Owen

Executive Summary

  • Earnings: ROA of 1.15%, up 4 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 1.78% of loans (+27 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.02%, up 40 bps from a year ago.
  • Funding: loans stand at 89.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%+4 bps YoY

Net Interest Margin (quarter, annualized)

4.47%+32 bps YoY

Efficiency Ratio (quarter, annualized)

67.46%+355 bps YoY

Tier 1 Leverage Ratio

10.02%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.20%1.23%0.93%1.15%+4 bps
Return on Equity12.55%13.17%13.28%10.22%12.32%-22 bps
Net Interest Margin4.15%4.22%4.28%4.26%4.47%+32 bps
Efficiency Ratio63.91%63.70%66.86%72.47%67.46%+355 bps
Non-Interest Burden2.53%2.57%2.77%3.00%2.90%+38 bps
Growth
Asset Growth (YoY)2.82%4.34%6.30%7.47%4.28%+145 bps
Loan Growth (YoY)11.03%8.77%9.27%6.08%4.50%-653 bps
Deposit Growth (YoY)1.00%2.60%6.22%6.55%4.57%+358 bps
Asset Quality
Nonperforming Loans / Loans1.51%2.03%2.12%2.21%1.78%+27 bps
Net Charge-Offs / Loans0.00%0.02%0.02%0.03%0.03%+2 bps
Allowance / Loans0.95%0.96%0.93%0.93%0.94%-1 bps
Allowance Coverage of NPLs0.6x0.5x0.4x0.4x0.5x-0.1x
Capital
Tier 1 Leverage Ratio9.62%9.87%9.61%9.80%10.02%+40 bps
Total Risk-Based Capital9.62%9.87%9.61%9.80%10.02%+40 bps
Equity / Assets8.94%9.30%9.16%9.13%9.58%+63 bps
Liquidity & Funding
Loans / Deposits90.00%90.10%92.20%89.60%89.94%-6 bps
Liquid Assets / Assets1.51%1.02%0.98%0.85%0.44%-107 bps
CRE / Total Capitaln/a289%303%311%n/an/a