BlastPoint's Banking Scorecard
United Citizens Bank & Trust Company
Campbellsburg, KY
7 branches across KY
United Citizens Bank & Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49.5% in tier
- - Cost Spiral: Bottom 50.8% in tier
- - Nonperforming Asset Ratio 1.11% above tier average
- - ROA 0.34% below tier average
- - Delinquency Rate 1.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.4M
+7.5% YoY
+3.0% QoQ
|
-$159.6M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$177.3M
+6.1% YoY
+0.3% QoQ
|
-$78.4M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$199.7M
+6.6% YoY
+3.2% QoQ
|
-$128.3M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.93%
+0.9% YoY
-16.3% QoQ
|
-0.34% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.46%
+4.9% YoY
+1.1% QoQ
|
+0.53% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
72.47%
+7.8% YoY
+10.8% QoQ
|
+7.18% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
2.23%
+99.8% YoY
+4.3% QoQ
|
+1.34% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.3% in tier |
| Loan-to-Deposit Ratio ? |
88.77%
-0.5% YoY
-2.8% QoQ
|
+12.13% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
29.49%
+1.9% YoY
-1.9% QoQ
|
+7.47% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
1.75%
+97.2% YoY
+1.5% QoQ
|
+1.11% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.7% in tier |
| Tier 1 Capital Ratio ? |
9.80%
+1.1% YoY
+2.0% QoQ
|
-6.03% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.2% in tier |
| Non-Interest Income / Assets ? |
0.08%
-7.5% YoY
-75.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
37% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.