United Citizens Bank of Southern Kentucky, INC.
Operating from Columbia, KY, United Citizens Bank of Southern Kentucky, Inc. serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $278M in assets, including $234M in loans. The bank posts a strong 1.93% ROA and 16.50% ROE. Regulatory capital is solid — 16.29% CET1 and 17.54% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.30%. It operates 6 branches, primarily in Kentucky.
Headquarters Profile
- Address
- 700 Jamestown St, COLUMBIA, KY 42728
- County
- Adair
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- December 6, 2004
- Branches
- 6 domestic
- Employees (FTE)
- 57
- FDIC Cert
- 57867
- Fed RSSD
- 3306598
- Website
- www.ucbsky.com →
- Parent Holding Company
- UNITED CITIZENS BANCORP, INC. (RSSD 3370085)
Capital & Liquidity
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United Citizens Bank of Southern Kentucky, INC. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about United Citizens Bank of Southern Kentucky, INC.
What are United Citizens Bank of Southern Kentucky, INC.'s total assets?
As of the Q1 2026 filing, United Citizens Bank of Southern Kentucky, INC. reported total assets of $277.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Citizens Bank of Southern Kentucky, INC. headquartered?
United Citizens Bank of Southern Kentucky, INC. is headquartered in COLUMBIA, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Citizens Bank of Southern Kentucky, INC. founded?
United Citizens Bank of Southern Kentucky, INC. was established in 2004, per the FDIC institution directory.
Is United Citizens Bank of Southern Kentucky, INC. FDIC-insured?
Yes. United Citizens Bank of Southern Kentucky, INC. is an FDIC-insured commercial bank (FDIC Certificate #57867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Citizens Bank of Southern Kentucky, INC.?
United Citizens Bank of Southern Kentucky, INC.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Citizens Bank of Southern Kentucky, INC.'s CET1 capital ratio?
United Citizens Bank of Southern Kentucky, INC. reported a Common Equity Tier 1 (CET1) capital ratio of 16.29% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does United Citizens Bank of Southern Kentucky, INC. operate?
United Citizens Bank of Southern Kentucky, INC. operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is United Citizens Bank of Southern Kentucky, INC.'s Texas Ratio?
United Citizens Bank of Southern Kentucky, INC.'s Texas Ratio is 2.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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