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United Citizens Bank & Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 15249

Campbellsburg, KY

7 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +4.6% year over year ($197.5M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 1.05%.
  • Efficiency ratio 69.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

United Citizens Bank & Trust Company has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.58% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 27.6% in tier
  • - Capital Thin: Bottom 35.4% in tier
  • - ROA 0.27% below tier average
  • - Efficiency Ratio 5.43% above tier average
Get updates when United Citizens Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $219.3M
+4.3% YoY -3.1% QoQ
-$167.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $175.9M
+4.5% YoY -0.8% QoQ
-$82.4M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $197.5M
+4.6% YoY -1.1% QoQ
-$129.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.05%
+2.8% YoY +12.2% QoQ
-0.27% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 4.57%
+5.8% YoY +2.5% QoQ
+0.58% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 69.91%
+6.7% YoY -3.5% QoQ
+5.43% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 1.80%
+18.1% YoY -19.2% QoQ
+0.88% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 14.7% in tier
Loan-to-Deposit Ratio ? 89.09%
-0.1% YoY +0.4% QoQ
+11.14% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 29.77%
-0.2% YoY +1.0% QoQ
+7.74% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 1.45%
+9.6% YoY -17.2% QoQ
+0.78% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 12.6% in tier
Tier 1 Capital Ratio ? 10.02%
+4.1% YoY +2.2% QoQ
-5.89% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 11.0% in tier
Non-Interest Income / Assets ? 0.17%
-2.2% YoY +116.0% QoQ
-0.40% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 29.8%
-0.1pp YoY
+0.3pp QoQ
 +7.6pp 22.1% 23.5% 22.2% 81%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 2.4%
-0.3pp YoY
-0.2pp QoQ
 -9.2pp 11.6% 8.6% 12.5% 8%
CRE 36.1%
+1.9pp YoY
-2.0pp QoQ
 -3.5pp 39.5% 37.1% 41.4% 45%
1-4 Family 43.8%
-0.5pp YoY
+2.3pp QoQ
 +11.2pp 32.6% 41.6% 31.3% 75%
Consumer 1.1%
0.0pp YoY
+0.1pp QoQ
 -3.0pp 4.1% 4.8% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 10.0%
+0.4pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 14.0% 12.6% 32%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 55
+4 (+7.8%) YoY
+3 (+5.8%) QoQ
 -4 58 105 482 58%
Assets per Employee ($) $4.0M
-3.3% YoY
-8.4% QoQ
 -$3.5M $7.5M $6.3M $8.8M 4%
Branch Count 7
+1 (+16.7%) YoY
0 QoQ
 +2 4 8 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 41%
Nonaccrual 1.7%
+0.2pp YoY
-0.5pp QoQ
 +0.8pp 0.9% 0.8% 1.0% 84%
Allowance Coverage 0.52x
-16.4% YoY
+25.0% QoQ
 -23.63x 24.15x 7.45x 20.23x 11%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 11.3%
-0.4pp YoY
+1.1pp QoQ
 -0.9pp 12.2% 13.3% 11.6% 45%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 26%
Net Income ($, YTD) $1.2M
+9.0% YoY
— QoQ
 -$1.4M $2.6M $5.1M $40.4M 32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#259 of 936 • Bottom 27.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#235 of 661 • Bottom 35.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.02%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

477
Net Interest Margin
profitability
Value: 4.57%
Peer Median: 3.99%
#477 of 2643 Top 18.0% in $100M-$1B
497
Non-Interest-Bearing Deposit Share
funding
Value: 29.77%
Peer Median: 22.03%
#497 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (3 metrics)

2353
Tier 1 Capital Ratio
capital
Value: 10.02%
Peer Median: 15.91%
#2353 of 2643 Bottom 11.0% in $100M-$1B
2310
Nonperforming Asset Ratio
credit_quality
Value: 1.45%
Peer Median: 0.67%
#2310 of 2643 Bottom 12.6% in $100M-$1B
2247
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2247 of 2633 Bottom 14.7% in $100M-$1B
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