Columbia, KY · Cert 57867 · United Citizens Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
69
Asset Quality
45
Profitability
90
Liquidity
0
Efficiency
93
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.
Columbia, KY · Cert 57867 · United Citizens Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 1.57% | 1.55% | 1.68% | 1.79% | 1.83% | 1.76% | 1.92% | 1.96% | +17 bps | |
| Return on Equity | 14.42% | 14.17% | 15.44% | 16.43% | 16.49% | 15.63% | 16.50% | 16.92% | +49 bps | |
| Net Interest Margin | 4.09% | 4.11% | 4.32% | 4.35% | 4.41% | 4.44% | 4.63% | 4.62% | +28 bps | |
| Efficiency Ratio | 55.07% | 55.57% | 52.33% | 49.64% | 49.28% | 50.84% | 48.49% | 47.66% | -198 bps | |
| Non-Interest Burden | 1.97% | 2.01% | 1.97% | 1.84% | 1.86% | 1.95% | 1.92% | 1.87% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.20% | 10.01% | 11.59% | 7.14% | 5.43% | 6.03% | 3.78% | 7.07% | -7 bps | |
| Loan Growth (YoY) | 12.36% | 13.15% | 11.34% | 9.83% | 6.23% | 4.26% | 5.42% | 6.99% | -284 bps | |
| Deposit Growth (YoY) | 13.57% | 9.38% | 11.43% | 7.12% | 4.69% | 6.49% | 3.79% | 4.95% | -217 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.33% | 0.17% | 0.46% | 0.52% | 0.47% | 0.24% | 0.43% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.06% | 0.06% | 0.09% | 0.12% | 0.03% | 0.05% | -1 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.28% | 1.28% | 1.28% | 1.31% | 1.34% | 1.31% | +3 bps | |
| Allowance Coverage of NPLs | 5.1x | 3.8x | 7.3x | 2.8x | 2.5x | 2.8x | 5.5x | 3.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.67% | 11.23% | 11.49% | 11.86% | 12.15% | 11.88% | 12.07% | +59 bps | |
| Total Risk-Based Capital | 16.00% | 16.35% | 16.07% | 16.40% | 17.07% | 17.86% | 17.54% | 17.19% | +78 bps | |
| Equity / Assets | 10.96% | 11.20% | 10.53% | 11.06% | 11.51% | 11.90% | 11.37% | 11.52% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.14% | 102.25% | 96.03% | 98.92% | 100.60% | 100.10% | 97.54% | 100.84% | +192 bps | |
| Liquid Assets / Assets | 1.36% | 1.02% | 2.81% | 1.79% | 1.47% | 1.44% | 4.33% | 1.40% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.82% | 106.82% | 97.68% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.90% | 0.83% | 1.18% | 1.44% | Beats 96% | 3 / 69 | ||
| Return on Equity | 16.53% | 7.64% | 11.70% | 15.70% | Beats 83% | 12 / 69 | ||
| Net Interest Margin | 4.62% | 3.45% | 3.75% | 3.96% | Beats 91% | 6 / 69 | ||
| Efficiency Ratio | 47.66% | 55.32% | 62.99% | 70.80% | Beats 93% | 6 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.18% | 0.52% | 1.14% | Beats 58% | 30 / 69 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 32% | 48 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.93% | 11.33% | 13.58% | 16.27% | Beats 70% | 21 / 69 | ||
| Total Risk-Based Capital Ratio | 17.19% | 11.55% | 14.43% | 17.27% | Beats 72% | 19 / 69 | ||
| Equity / Assets | 11.52% | 8.31% | 9.91% | 12.53% | Beats 65% | 24 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.84% | 71.40% | 81.07% | 88.03% | 90th pctl | 7 / 69 | ||
| Loans / Assets | 85.78% | 61.10% | 68.66% | 76.68% | 90th pctl | 7 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||