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United Citizens Bank of Southern Kentucky, Inc.

Columbia, KY · Cert 57867 · United Citizens Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Citizens Bank of Southern Kentucky, Inc.

Columbia, KY · Cert 57867 · United Citizens Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$286.2MAssets
$245.5MLoans
$243.5MDeposits
$33.0MEquity
Loan mix
82%RE $184.1M10%C&I $23.5M7%Consumer $16.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $176.0M28%Noninterest $67.5MQ2 2025Q2 2026

NIM

6.07%Q2 ’246.50%Q2 ’256.56%Q2 ’26+7%+6%

Non-interest income vs. expense

2.67%Q2 ’242.47%Q2 ’252.51%Q2 ’26-10%+2%

Executive Summary

  • Earnings: ROA of 1.96%, up 17 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.43% of loans (-3 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.07%, up 59 bps from a year ago.
  • Funding: loans stand at 100.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.96%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+28 bps YoY

Efficiency Ratio (YTD, annualized)

47.66%-198 bps YoY

Tier 1 Leverage Ratio

12.07%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.83%1.76%1.92%1.96%+17 bps
Return on Equity16.43%16.49%15.63%16.50%16.92%+49 bps
Net Interest Margin4.35%4.41%4.44%4.63%4.62%+28 bps
Efficiency Ratio49.64%49.28%50.84%48.49%47.66%-198 bps
Non-Interest Burden1.84%1.86%1.95%1.92%1.87%+3 bps
Growth
Asset Growth (YoY)7.14%5.43%6.03%3.78%7.07%-7 bps
Loan Growth (YoY)9.83%6.23%4.26%5.42%6.99%-284 bps
Deposit Growth (YoY)7.12%4.69%6.49%3.79%4.95%-217 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.52%0.47%0.24%0.43%-3 bps
Net Charge-Offs / Loans0.06%0.09%0.12%0.03%0.05%-1 bps
Allowance / Loans1.28%1.28%1.31%1.34%1.31%+3 bps
Allowance Coverage of NPLs2.8x2.5x2.8x5.5x3.0x+0.3x
Capital
Tier 1 Leverage Ratio11.49%11.86%12.15%11.88%12.07%+59 bps
Total Risk-Based Capital16.40%17.07%17.86%17.54%17.19%+78 bps
Equity / Assets11.06%11.51%11.90%11.37%11.52%+45 bps
Liquidity & Funding
Loans / Deposits98.92%100.60%100.10%97.54%100.84%+192 bps
Liquid Assets / Assets1.79%1.47%1.44%4.33%1.40%-40 bps
CRE / Total Capitaln/a109.82%106.82%97.68%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Citizens Bank of Southern Kentucky, Inc.

Columbia, KY · Cert 57867 · Peer group: banks under $1B in assets in KY (n=69) · United Citizens Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$286.2MAssets
$245.5MLoans
$243.5MDeposits
$33.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks under $1B in assets in KY (rank 3 of 69).
  • Widest gap: net charge-offs / loans trails 68% of banks under $1B in assets in KY (rank 48 of 69).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.90%

Rank 3 of 69

Net Interest Margin

4.62%

Rank 6 of 69

Efficiency Ratio

47.66%

Rank 6 of 69

Equity / Assets

11.52%

Rank 24 of 69

Non-interest income vs. expense

$1.8M$7.0MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 93% of banks under $1B in assets in KY
Bank 47.66%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.90%0.83%1.18%1.44%Beats 96%3 / 69
Return on Equity16.53%7.64%11.70%15.70%Beats 83%12 / 69
Net Interest Margin4.62%3.45%3.75%3.96%Beats 91%6 / 69
Efficiency Ratio47.66%55.32%62.99%70.80%Beats 93%6 / 69
Asset Quality
Nonperforming Loans / Loans0.43%0.18%0.52%1.14%Beats 58%30 / 69
Net Charge-Offs / Loans0.04%0.01%0.02%0.06%Beats 32%48 / 69
Capital
Tier 1 Capital Ratio15.93%11.33%13.58%16.27%Beats 70%21 / 69
Total Risk-Based Capital Ratio17.19%11.55%14.43%17.27%Beats 72%19 / 69
Equity / Assets11.52%8.31%9.91%12.53%Beats 65%24 / 69
Liquidity & Funding
Loans / Deposits100.84%71.40%81.07%88.03%90th pctl7 / 69
Loans / Assets85.78%61.10%68.66%76.68%90th pctl7 / 69
Brokered Deposits / Depositsn/aNot reported for this institution