Campbellsburg, KY · Cert 15249 · United Citizens Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.4% share · #25 of 43 inst. · $0.2B of $48.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.17% | 0.93% | 1.02% | 1.08% | 1.12% | 0.93% | 1.05% | +3 bps | |
| Return on Equity | 13.19% | 13.86% | 10.67% | 11.64% | 12.14% | 12.46% | 10.22% | 11.29% | -34 bps | |
| Net Interest Margin | 3.78% | 3.79% | 4.11% | 4.08% | 4.11% | 4.05% | 4.26% | 4.38% | +30 bps | |
| Efficiency Ratio | 64.13% | 62.73% | 67.25% | 65.55% | 64.92% | 65.43% | 72.47% | 69.91% | +436 bps | |
| Non-Interest Burden | 2.27% | 2.23% | 2.65% | 2.56% | 2.55% | 2.54% | 3.00% | 2.96% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.93% | 5.86% | 5.36% | 2.82% | 4.34% | 6.30% | 7.47% | 4.28% | +145 bps | |
| Loan Growth (YoY) | 14.12% | 14.17% | 13.38% | 11.03% | 8.77% | 9.27% | 6.08% | 4.50% | -653 bps | |
| Deposit Growth (YoY) | 11.57% | 3.74% | 2.62% | 1.00% | 2.60% | 6.22% | 6.55% | 4.57% | +358 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 0.63% | 1.11% | 1.51% | 2.03% | 2.12% | 2.21% | 1.78% | +27 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | 0.03% | +2 bps | |
| Allowance / Loans | 0.90% | 0.88% | 0.92% | 0.95% | 0.96% | 0.93% | 0.93% | 0.94% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.4x | 0.8x | 0.6x | 0.5x | 0.4x | 0.4x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.32% | 9.70% | 9.62% | 9.87% | 9.61% | 9.80% | 10.02% | +40 bps | |
| Total Risk-Based Capital | 9.43% | 9.32% | 9.70% | 9.62% | 9.87% | 9.61% | 9.80% | 10.02% | +40 bps | |
| Equity / Assets | 8.79% | 8.60% | 8.75% | 8.94% | 9.30% | 9.16% | 9.13% | 9.58% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.99% | 89.62% | 90.00% | 90.00% | 90.10% | 92.20% | 89.60% | 89.94% | -6 bps | |
| Liquid Assets / Assets | 1.91% | 1.65% | 1.52% | 1.51% | 1.02% | 0.98% | 0.85% | 0.44% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 289% | 303% | 311% | n/a | n/a | |