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United Citizens Bank of Southern Kentucky

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

Columbia, KY

6 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 +5.0% year over year ($243.5M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 1.96%.
  • Efficiency ratio 47.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.51% 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 of Southern Kentucky shows strong momentum with 4 strengths and 7.1% YoY asset growth

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 0.91% above tier average
  • + ROA 0.64% above tier average
  • + Efficiency Ratio 16.82% below tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when United Citizens Bank of Southern Kentucky releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $286.2M
+7.1% YoY +3.1% QoQ
-$100.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $242.3M
+7.0% YoY +4.9% QoQ
-$16.1M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $243.5M
+5.0% YoY +1.4% QoQ
-$83.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 1.96%
+9.2% YoY +2.2% QoQ
+0.64% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 13.9% in tier
Net Interest Margin ? 4.90%
+5.7% YoY +1.3% QoQ
+0.91% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 9.8% in tier
Efficiency Ratio ? 47.66%
-4.0% YoY -1.7% QoQ
-16.82% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Top 12.4% in tier
Delinquency Rate ? 0.44%
-6.7% YoY +78.7% QoQ
-0.48% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 99.51%
+1.9% YoY +3.4% QoQ
+21.56% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 10.7% in tier
Non-Interest-Bearing Deposit Share ? 27.72%
+4.0% YoY +3.1% QoQ
+5.69% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.37%
-6.8% YoY +72.6% QoQ
-0.30% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 15.93%
+5.2% YoY -2.2% QoQ
+0.03% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.31%
-1.3% YoY +104.3% QoQ
-0.26% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
74%

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 27.7%
+1.1pp YoY
+0.8pp QoQ
 +5.6pp 22.1% 23.5% 22.2% 75%
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 10.4%
-0.7pp YoY
+0.2pp QoQ
 -1.2pp 11.6% 8.6% 12.5% 55%
CRE 14.0%
-2.7pp YoY
+0.3pp QoQ
 -25.6pp 39.5% 37.1% 41.4% 9%
1-4 Family 47.8%
+3.2pp YoY
-1.0pp QoQ
 +15.2pp 32.6% 41.6% 31.3% 80%
Consumer 6.9%
-0.4pp YoY
-0.2pp QoQ
 +2.8pp 4.1% 4.8% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 15.9%
+0.8pp YoY
-0.4pp QoQ
 -2.9pp 18.8% 20.2% 19.7% 57%
Leverage Ratio 12.1%
+0.6pp YoY
+0.2pp QoQ
 -0.1pp 12.2% 14.0% 12.6% 66%
Total Capital Ratio 17.2%
+0.8pp YoY
-0.4pp QoQ
 -2.7pp 19.9% 21.3% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 58
+1 (+1.8%) YoY
+1 (+1.8%) QoQ
 -1 58 105 482 61%
Assets per Employee ($) $4.9M
+5.2% YoY
+1.3% QoQ
 -$2.6M $7.5M $6.3M $8.8M 14%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 58%
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 38%
Allowance Coverage 3.04x
+10.0% YoY
-45.2% QoQ
 -21.11x 24.15x 7.45x 20.23x 59%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 16.9%
+0.5pp YoY
+0.4pp QoQ
 +4.7pp 12.2% 13.3% 11.6% 77%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 74%
Net Income ($, YTD) $2.7M
+15.4% YoY
— QoQ
 +$169K $2.6M $5.1M $40.4M 66%

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 (0)

No matched concern signatures this quarter

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 (4 metrics)

260
Net Interest Margin
profitability
Value: 4.90%
Peer Median: 3.99%
#260 of 2643 Top 9.8% in $100M-$1B
328
Efficiency Ratio
profitability
Value: 47.66%
Peer Median: 64.48%
#328 of 2643 Top 12.4% in $100M-$1B
369
Return on Assets
profitability
Value: 1.96%
Peer Median: 1.32%
#369 of 2643 Top 13.9% in $100M-$1B
650
Non-Interest-Bearing Deposit Share
funding
Value: 27.72%
Peer Median: 22.03%
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (1 metrics)

2360
Loan-to-Deposit Ratio
liquidity
Value: 99.51%
Peer Median: 77.95%
#2360 of 2643 Bottom 10.7% in $100M-$1B
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