United Citizens Bank of Southern Kentucky, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Citizens Bank of Southern Kentucky, Inc. of Columbia, KY against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.91% | 1.25% | +0.66% | 76th top |
| ROAE | 16.46% | 13.21% | +3.25% | 60th above |
| Net Interest Margin | 4.83% | 3.95% | +0.88% | 85th top |
| Efficiency Ratio | 47.14% | 61.29% | -14.15% | 82nd top |
| PPNR / Avg Assets | 2.77% | — | — | 94th top |
| Yield on Earning Assets | 6.90% | 5.68% | +1.22% | 94th top |
| Cost of Funds | 2.30% | 1.88% | +0.42% | 15th bottom |
| Net Interest Spread | 3.80% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.93% | -0.47% | 45th below |
| NPA / Total Assets | 0.39% | — | — | 38th below |
| NCO / Avg Loans | 0.34% | 0.16% | +0.18% | 11th bottom |
| ACL / Total Loans | 1.27% | — | — | 56th above |
| ACL / NPLs (Coverage) | 279.23% | — | — | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.65% | 7.37% | -2.72% | 35th below |
| Provision / NCO | 146.07% | — | — | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 17.08% | -0.52% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 17.11% | -0.55% | 59th above |
| Total Capital Ratio | 17.82% | — | — | 59th above |
| Leverage Ratio | 12.20% | 11.73% | +0.47% | 66th above |
| Equity / Assets | 11.80% | 10.97% | +0.83% | 71st above |
| TCE / Tangible Assets | 11.80% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.10% | 80.71% | +20.39% | 7th bottom |
| Core Deposit Ratio | 90.82% | 86.89% | +3.93% | 59th above |
| Wholesale Funding Ratio | 2.08% | — | — | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.09% | — | — | 73rd above |
| Loan Growth (Y/Y) | 7.18% | — | — | 61st above |
| Deposit Growth (Y/Y) | 6.64% | — | — | 69th above |
See United Citizens Bank of Southern Kentucky, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Citizens Bank of Southern Kentucky, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Citizens Bank of Southern Kentucky, Inc. profile, how to read a UBPR, or how this data updates.