United Citizens Bank of Southern Kentucky, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.30 percentage points higher than in Q1 2026, at 100.84%. Within Kentucky, United Citizens Bank of Southern Kentucky, Inc. is 13th of 120 on loan-to-deposit ratio, 100.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Citizens Bank of Southern Kentucky, Inc. sits 20.00 points higher, at 100.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.5M |
| Net loans and leases | $242.3M |
| Loans held for sale | $0 |
| Loans to total assets | 85.78% |
| Loan-to-deposit ratio | 100.84% |
| Net loans to equity capital | 7.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.65% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 10.23% |
| Consumer | 6.84% |
| Credit cards | 0.00% |
| Farm | 17.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.12% |
| Construction concentration (Tier 1 capital + allowance) | 29.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.39% |
| Interest income on loans | $4.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $194.6M | $194.2M | 8.82% | 11.66% | 8.46% |
| Q4 2023 | $196.6M | $198.9M | 9.00% | 11.82% | 8.33% |
| Q1 2024 | $199.4M | $207.5M | 8.98% | 11.74% | 8.13% |
| Q2 2024 | $208.9M | $216.6M | 9.11% | 11.94% | 7.72% |
| Q3 2024 | $218.6M | $220.5M | 9.75% | 11.13% | 7.53% |
| Q4 2024 | $222.5M | $217.6M | 9.51% | 11.71% | 7.33% |
| Q1 2025 | $222.1M | $231.2M | 9.52% | 11.29% | 7.39% |
| Q2 2025 | $229.5M | $232.0M | 8.94% | 10.96% | 7.22% |
| Q3 2025 | $232.2M | $230.9M | 9.00% | 10.71% | 6.97% |
| Q4 2025 | $232.0M | $231.7M | 9.33% | 10.37% | 7.03% |
| Q1 2026 | $234.1M | $240.0M | 8.66% | 10.03% | 7.01% |
| Q2 2026 | $245.5M | $243.5M | 8.65% | 10.23% | 6.84% |
United Citizens Bank of Southern Kentucky, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank of Southern Kentucky, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Citizens Bank of Southern Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57867) · FFIEC NIC profile (RSSD 3306598)