UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC.

COLUMBIA, KY | Small | Est. Dec. 6, 2004, midnight | FDIC #57867 | RSSD #3306598 | FDIC
Latest Report: 2025-12-31

UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. is asn small FDIC-insured commercial bank headquartered in COLUMBIA, KY, established in Dec. 6, 2004, midnight. As of 2025-12-31, the bank reported total assets of $270M and total deposits of $232M. Profitability stands at 1.55% ROA and 13.22% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 16.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 2.50%. FDIC Certificate #57867.

Assets

$270M

Deposits

$232M

Loans

$232M

Equity

$32M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 13.22%
Net Interest Margin (NIM) 5.05%
Yield on Assets 7.32%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.12%
Texas Ratio 2.50%
NPA Ratio 0.33%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 16.60%
Tier 1 Capital 16.60%
Total Capital Ratio 17.86%
Leverage Ratio 12.15%
Loan-to-Deposit 100.10%

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