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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 $16.4MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $176.0M28%Noninterest $67.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.55%1.68%1.79%1.83%1.76%1.92%1.96%+17 bps
Return on Equity14.42%14.17%15.44%16.43%16.49%15.63%16.50%16.92%+49 bps
Net Interest Margin4.09%4.11%4.32%4.35%4.41%4.44%4.63%4.62%+28 bps
Efficiency Ratio55.07%55.57%52.33%49.64%49.28%50.84%48.49%47.66%-198 bps
Non-Interest Burden1.97%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 / Loans0.24%0.33%0.17%0.46%0.52%0.47%0.24%0.43%-3 bps
Net Charge-Offs / Loans0.00%0.03%0.06%0.06%0.09%0.12%0.03%0.05%-1 bps
Allowance / Loans1.25%1.26%1.28%1.28%1.28%1.31%1.34%1.31%+3 bps
Allowance Coverage of NPLs5.1x3.8x7.3x2.8x2.5x2.8x5.5x3.0x+0.3x
Capital
Tier 1 Leverage Ratio11.52%11.67%11.23%11.49%11.86%12.15%11.88%12.07%+59 bps
Total Risk-Based Capital16.00%16.35%16.07%16.40%17.07%17.86%17.54%17.19%+78 bps
Equity / Assets10.96%11.20%10.53%11.06%11.51%11.90%11.37%11.52%+45 bps
Liquidity & Funding
Loans / Deposits99.14%102.25%96.03%98.92%100.60%100.10%97.54%100.84%+192 bps
Liquid Assets / Assets1.36%1.02%2.81%1.79%1.47%1.44%4.33%1.40%-40 bps
CRE / Total Capitaln/an/an/an/a109.82%106.82%97.68%n/an/a