United Citizens Bank of Southern Kentucky, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 109.48 percentage points lower than in Q1 2026, at 340.02%. United Citizens Bank of Southern Kentucky, Inc. ranks 15th of 119 Kentucky banks on return on assets, in the upper half at 2.02% (Q2 2026). United Citizens Bank of Southern Kentucky, Inc.'s return on assets of 2.02% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.93% |
| Tier 1 risk-based capital ratio | 15.93% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 12.07% |
| Equity capital to assets | 11.52% |
| Tangible equity to tangible assets | 11.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.55% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 340.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 17.50% |
| Net interest margin | 4.92% |
| Efficiency ratio | 46.86% |
| Yield on earning assets | 6.96% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.84% |
| Core deposits to total deposits | 90.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.07% |
| Securities to assets | 7.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.22% | 15.22% | 16.47% | 12.12% | 1.61% |
| Q4 2023 | 15.53% | 15.53% | 16.78% | 12.19% | 1.14% |
| Q1 2024 | 14.97% | 14.97% | 16.23% | 11.48% | 1.49% |
| Q2 2024 | 14.75% | 14.75% | 16.00% | 11.40% | 1.48% |
| Q3 2024 | 14.75% | 14.75% | 16.00% | 11.52% | 1.75% |
| Q4 2024 | 15.09% | 15.09% | 16.35% | 11.67% | 1.48% |
| Q1 2025 | 14.82% | 14.82% | 16.07% | 11.23% | 1.68% |
| Q2 2025 | 15.15% | 15.15% | 16.40% | 11.49% | 1.91% |
| Q3 2025 | 15.82% | 15.82% | 17.07% | 11.86% | 1.89% |
| Q4 2025 | 16.60% | 16.60% | 17.86% | 12.15% | 1.54% |
| Q1 2026 | 16.29% | 16.29% | 17.54% | 11.88% | 1.93% |
| Q2 2026 | 15.93% | 15.93% | 17.19% | 12.07% | 2.02% |
United Citizens Bank of Southern Kentucky, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank of Southern Kentucky, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)