Bank Comparison
Cherokee State Bank vs United Citizens Bank of Southern Kentucky, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| CET1 Ratio | — | 16.29% |
| Tier 1 Capital Ratio | — | 16.29% |
| Total Capital Ratio | — | 17.54% |
| Tier 1 Leverage Ratio | 12.81% | 11.88% |
| Equity / Assets | 9.64% | 11.37% |
Profitability
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.93% |
| Return on Equity (ROE) | 9.22% | 16.50% |
| Net Interest Margin (NIM) | 2.87% | 4.81% |
| Yield on Earning Assets | 5.02% | 6.86% |
| Cost of Funds | 2.33% | 2.24% |
Asset quality
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| Texas Ratio | 0.00% | 2.38% |
| Non-Performing Loan Ratio | 0.00% | 0.30% |
| Non-Performing Asset Ratio | 0.00% | 0.26% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.12% | 1.34% |
Balance sheet
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| Total Assets | $277,337K | $277,569K |
| Total Deposits | $226,534K | $240,009K |
| Total Loans | $182,870K | $234,107K |
| Total Equity | $26,732K | $31,552K |
| Net Income (quarter) | $619 | $1,313K |
Liquidity & funding
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.73% | 97.54% |
| Core Deposit Ratio | 92.19% | 90.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cherokee State Bank | United Citizens Bank of Southern Kentucky, INC. |
|---|---|---|
| Headquarters City | CHEROKEE | COLUMBIA |
| Headquarters State | IA | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 6 |
| Employees (FTE) | 28 | 57 |
| Established | Oct. 8, 1888, midnight | Dec. 6, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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