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
Unfavorable gap of $5.2M · efficiency ratio beats 93% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |