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Letter portraitLegal landscapeQuarterYTD

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