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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

6.27%Q2 ’246.62%Q2 ’256.70%Q2 ’26+7%+6%

Non-interest income vs. expense

2.79%Q2 ’242.41%Q2 ’252.53%Q2 ’26-19%+7%

Executive Summary

  • Earnings: ROA of 2.00%, up 11 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.43% of loans (-3 bps YoY), with net charge-offs at 0.07%.
  • 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 (quarter, annualized)

2.00%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.74%+28 bps YoY

Efficiency Ratio (quarter, annualized)

46.88%-23 bps YoY

Tier 1 Leverage Ratio

12.07%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.89%1.55%1.92%2.00%+11 bps
Return on Equity17.56%16.70%13.22%16.50%17.50%-6 bps
Net Interest Margin4.46%4.61%4.64%4.63%4.74%+28 bps
Efficiency Ratio47.11%48.59%55.28%48.49%46.88%-23 bps
Non-Interest Burden1.75%1.92%2.28%1.92%1.87%+12 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 / Loans0.05%0.15%0.21%0.03%0.07%+2 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