United Citizens Bank of Southern Kentucky, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Cost of borrowings edged down by 0.25 percentage points, from 3.85% to 3.60%, the largest move among the key lines here. On net interest margin, United Citizens Bank of Southern Kentucky, Inc. ranks 10th highest among the 119 banks headquartered in Kentucky, at 4.92% (Q2 2026). United Citizens Bank of Southern Kentucky, Inc. reported 4.92% on net interest margin for Q2 2026, 0.97 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.96% |
| Yield on loans | 7.39% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 3.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.92% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.20% | 1.95% | 4.40% | 6.62% | 1.56% |
| Q4 2023 | 6.29% | 2.17% | 4.30% | 6.71% | 2.04% |
| Q1 2024 | 6.40% | 2.29% | 4.28% | 6.86% | 2.22% |
| Q2 2024 | 6.56% | 2.37% | 4.37% | 7.05% | 2.19% |
| Q3 2024 | 6.88% | 2.50% | 4.57% | 7.34% | 2.45% |
| Q4 2024 | 6.90% | 2.49% | 4.60% | 7.35% | 2.57% |
| Q1 2025 | 6.77% | 2.46% | 4.50% | 7.23% | 2.66% |
| Q2 2025 | 6.87% | 2.45% | 4.63% | 7.36% | 2.71% |
| Q3 2025 | 7.00% | 2.41% | 4.80% | 7.45% | 2.86% |
| Q4 2025 | 6.97% | 2.40% | 4.82% | 7.42% | 3.04% |
| Q1 2026 | 6.86% | 2.28% | 4.81% | 7.32% | 3.00% |
| Q2 2026 | 6.96% | 2.25% | 4.92% | 7.39% | 3.08% |
United Citizens Bank of Southern Kentucky, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank of Southern Kentucky, Inc., freeSource: Call Report Schedules RI and RC-K, 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)