BlastPoint's Banking Scorecard

United Citizens Bank of Southern Kentucky

$100M-$1B Specialty: Other KY FDIC cert 57867

Columbia, KY

6 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

United Citizens Bank of Southern Kentucky has 4 strengths 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

+ ROA 0.65% above tier average
+ Net Interest Margin 0.91% above tier average
+ Efficiency Ratio 16.80% below tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.3% in tier
- Credit Quality Pressure: Bottom 18.0% in tier
- Liquidity Overhang: Bottom 29.6% in tier
- Liquidity Strain: Bottom 38.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$277.6M +3.8% YoY +2.9% QoQ	-$108.5M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$231.0M +5.4% YoY +0.9% QoQ	-$24.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$240.0M +3.8% YoY +3.6% QoQ	-$88.0M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	1.92% +14.4% YoY +9.2% QoQ	+0.65%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 14.6% in tier
Net Interest Margin ?	4.84% +6.6% YoY +1.4% QoQ	+0.91%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 10.0% in tier
Efficiency Ratio ?	48.49% -7.4% YoY -4.6% QoQ	-16.80%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 13.2% in tier
Delinquency Rate ?	0.24% +38.2% YoY -49.1% QoQ	-0.64%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	96.24% +1.5% YoY -2.6% QoQ	+19.60%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	26.90% +3.8% YoY +3.5% QoQ	+4.88%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.21% +47.8% YoY -48.9% QoQ	-0.42%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	16.29% +9.9% YoY -1.9% QoQ	+0.46%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.15% +2.2% YoY -75.6% QoQ	-0.13%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (4)

Credit Risk Growth

risk

#160 of 973 • Bottom 16.3% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#236 of 1308 • Bottom 18.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#220 of 739 • Bottom 29.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.29%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.24%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#250 of 643 • Bottom 38.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.24%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

268

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#268 of 2664 Top 10.0% in $100M-$1B

353

Efficiency Ratio

profitability

Value: 48.49%

Peer Median: 65.29%

#353 of 2664 Top 13.2% in $100M-$1B

389

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.27%

#389 of 2664 Top 14.6% in $100M-$1B

Top Weaknesses (1 metrics)

2304

Loan-to-Deposit Ratio

liquidity

Value: 96.24%

Peer Median: 76.64%

#2304 of 2664 Bottom 13.6% in $100M-$1B